Bruce Moulton (2) "Email-borne virus/trojan payloads will become much more damaging and probably targeted. Other mal-ware vectors (such as Java applets and ActiveX controls) will emerge and perhaps rival email as a concern." How can they become more damaging? To what? Some already appear to have been targeted, badly. I do expect that they will "improve" in this regard. Java, possibly; ActiveX definitely. (At least Java has a security architecture; flaws tend to be in implementation.) E-mail is still the killer application, and the juiciest vector.