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Usually security programs can stop malware, but in the end of the day, security software cannot stop user error, which cause some percentage of malware installation. Vista from my experience is alot more secure than XP due to improvements like UAC, which seperates the admin rights and prompts for user permissions like in Linux/Unix/OSX which have been a weakness since XP runs in admin mode which can cause malware install alot easier which is why I tell people to use a normal user account since most day to day task doesn't require admin privilages.
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