I wouldn't be caught dead without an AV program and I'm to the point that I'm having clients sign waivers that refuse the idea of AV's and firewalls. For instance I've got a new client that is getting a cable modem (business client, highly sensitive client data on all his systems) and he refuses a firewall and AV, why? Becouse he's never had a problem before. Doubtless I'll be the one to clean up the mess but at least I'll have his signed waiver in my files to cover my heiny.