lokeshdb_ms

Strictly speaking a "virus" has to "infect"....... it spreads by attaching or inserting itself into the Master Boot Record or an executable, or even by embedding its executable body into an apparently non-executable object.

No criticisms folks..............I just tried to compress maybe 30 pages into 3 lines

In general, I suggest you look on all bad stuff as "malware"............the damage is different, the methodologies are different.............but you don't want them on your box? and you need different tools to deal with them.

Cheers

EDIT: sorry val~ I forgot to respond, you are quite correct for the UK, I was being much more general...........most people would not understand the difference between those who "charge" them and those who "bill" them. I was saying that the TELCOS do the "billing".........just like a bank will handle a direct debit, fraudulent or otherwise?