Just to add to davehc's comments.. There are many different types of bugs out there. Some are merely an inconvenience others will literally kill your HDD so I guess it's best to be on the safe side. I've only ever had one bug too.. Some one mailed me from a cyber cafe and a virus came with the mail. Luckily my utility got it straight away and so it wasn't really a big deal but if it hadn't it would have then mailed everyone in my contacts list sending the virus to them too...

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