And what excuse/explanation are those of you without girlfriends, going to use? 
I sympathize with your losses but maintain that this is due to sloppy internet usage. Not checking your browser history, allowing cookies and downloads and not doing proper virus/bot checks. May I also direct your attention to the user feature in Windows? Give each user their own login, which doesn't have full administrtive rights; reserve the admin rights for one user which is ONLY used for admin purposes. If one user does pick up something impossible to get rid of then delete that user. No major harm done.

I sympathize with your losses but maintain that this is due to sloppy internet usage. Not checking your browser history, allowing cookies and downloads and not doing proper virus/bot checks. May I also direct your attention to the user feature in Windows? Give each user their own login, which doesn't have full administrtive rights; reserve the admin rights for one user which is ONLY used for admin purposes. If one user does pick up something impossible to get rid of then delete that user. No major harm done.