There are a lot of enhancements that maybe they should have done a year ago [in Windows XP]. There are a lot of things that needed to be put in for a while, and if [Vista] works as advertised, it ought to be very helpful to consumers.

That definitely can have an affect on a corporate network.

Why aren't the banks explaining the rules of the game in online banking? Why don't they have flash screens at ATMs on the safety of their technology and steps for using it properly?

It's good because things like the Internet Explorer notification will probably be enabled automatically along with some of the other security features you won't be able to turn off. Security is just necessary and it's good if it is enabled by default.

Keystroke logging is one of the oldest security tricks in the book. Hackers know now that if [they] can get one username and password, [they're] going to have pretty good luck getting into a number of different accounts.

There is some overreaction. It has a lot to do with education. The biggest problem we have right now is mostly consumer and user education.