Do you use a Standard User Account for daily usage?

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Amazing the number of people (even here) using admin account for daily usage...
You would be amazed at how many fraud attacks are committed through banking malware which require admin rights to be setup on the system. One of the best pieces of advice for our contract clients would be to ensure that all the employees are working from a standard rights account and consult their I.T department if they require additional rights (which can only be granted after a proper assessment has been performed by at least 2 administrators).
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