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If you browse on the internet and don't have security software installed, running, and up to date, you may not even know if you've picked up a virus or malware. Not all the nasty stuff pops up and says "Hi, I'm Mr Virus". Some can just lurk there, logging your keystrokes and discretely send them to their "owners".
And you don't have to actually be downloading a file and installing an executable. My wife recently picked up a "drive by" malware just by browsing a site that must've been compromised (giving them the benefit of the doubt). And her computer did have antivirus software on it, just slipped right on by.
So don't fall into a false sense of security and think "I don't download anything, so I'll disable my AV software and just run it if/when I decide to", because you can be in trouble just browsing.
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