"A new analysis claims that over 90% of the Windows security vulnerabilities reported last year were made worse by users logged in with administrative privileges"
Um.... duh?!? How much money was spent on that study? I've been running an XP box as a restricted user for 3 years, and haven't gotten a virus yet. Goes to show you, all those Linux and Mac guys aren't too dumb.
Your computer account is overdrawn. Please see Big Brother.