[lendaddy]

"Invariably, they are infested with viruses. I have no idea how these people are getting all these viruses and I’m not."

I hear ya! I don't even use AV software (it has caused more problems than it ever cured) and I too have NEVER had a virus. I use online checking and run AdAware every now and then. I also never open unknown attachments and I don't vist "fileswapping" sites. Maybe I'm just lucky?