Thanks for your replies, most helpful.
Ok, so you've picked up an infection,
what cures are there?
If you have a trojan, Spy-bot (as mentioned above) will generally remove it. I got one which spybot recognised but couldn't remove, and I ended up googling the name of the trojan to find a remedy, which I did succesfully.
There are a range of anti-spyware tools around, but as the previous post says the best approach is self-protection. I use:
Zone Alarm Firewall (instead of the default Windows XP one); this firewall makes you give permission for programs on your machine to contact the internet, so if you have a trojan it would mean you would have to give it permission to operate. The Windows firewall only stops stuff coming in. There is a free version of Zone Alarm and there are other free alternative firewalls available.
Spybot Search & Destroy - which is basically a scanning program but has some protection features too (and some other useful tools eg for managing your start-up list)
Ad-aware - another scanning program for capturing and getting rid of any tracking cookies you don't want
Spyware Blaster - a point of entry program with a "blacklist" for Internet Explorer
and Firefox
AVG Free Anti-Virus - there's other free AV programs like AVAST.
I'm also using Microsoft's Anti-Spyware Beta - but not sure how long this wil be free.
These of course have to be kept up to date (as does your operating system), but on my broadband conection I reckon this is just 5-10 minutes work a week.
There are loads of free utilities available (not just for security) - there's a good assessment here:
http://www.techsupportalert.com/best_46_free_utilities.htmGood luck
JULIAN