I know Mike (Howard) will probably die a painfull death when realizing that people out there running XP are pretty much a sad case of (and i quote)
"everyone is an admin !!"
the problem is Windows does not ship "Secure by Default" .. they've done a better jobon WinXP.. kinda.. but its still pretty open.. I know of VERY few companies that actually only allow normal users on their own desktops..
sad.. but true.. I myself run as admin.. ships that way, works that way, so I Keep it that way ! (Yes another lame excuse of "but stuff breaks when I'm not an admin")