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The scare stories first: Studies have shown that if you plug in your computer to the internet, it will take an average of 16 minutes for your PC to be compromised by malicious software, if not protected.  At best, a compromised computer can be used by hackers as their own computer to perform tasks that would slow down their own.  At worst, if your computer has malicious software running on it, every key you type can be recorded, your files copied or your computer used to hack into other computers removing the trace to the individual responsible.