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As a IT security specialist, here are the general reminder:
Hint: if you get hacked, it's NOT the last thing you done that infected you.
People wanting your user/pass will wait bunch of days to be sure you make false assumption everywhere but the right place.
Also note that most people doesn't patch their frigging browser, flash and media player. This is the main infection vector.
July, August and September where especially active in vulnerability/fix allowing remote code execution, from avi file, flash and IE flaw. (yes, that mean getting p0wned just by browsing with 4 week outdated IE or flash player, and yes, there are some for mac now, especially that most mac user don't run any anti-virus-like stuff).
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