No problem.

regarding your question: yes and no.

If you're visiting all sorts of naughty sites you're probably going to have a spyware problem on that OS (and possibly other drives too if the virus is self replicating), so keeping a separate OS for secure internet stuff like banking and buying stuff online would be a good idea, though not completely fail safe (though you can set access rights to specfic users with NTFS file systems, and most viruses aren't sophisticated enough to get around that).

If you have a girlfriend, then you probably don't need a second OS.

I do... ahem.

In terms of stability you'll probably not have any issues just using one, though some people like to strip their OS down as clean as they can to try get that last little bit of speed and reduce the chances of a process going haywire. But honestly if you're careful in the way you set your computer up you'll probably run into very few stability probs. Some rules of thumb for installing stuff:

- Unless you really need to, don't install it unless you know it's from a reputable vendor or freely available software that's in wide circulation and has been well tested. Some well meaning programs have rather disastorous bugs hidden beneath their surface. I'd advise against using beta software too. Warez installers also often have embedded nastiness.

- Follow the advise on most setup programs and close all open windows programs before beginning installation.

- Keep all your installation files in one orginised spot eg D:\Installations. Although you may use them seldom (since you're hopefully just loading a ghosted image when you need to reinstally now) you may one day need to go back and create a fresh image from a clean hard drive. This could happen for a number of reasons, but most obviously it's when a new version of windows comes out and you need to upgrade. NEVER upgrade, do a complete new installation. There are always caveats with the upgrade path.

Hope that helped and happy computing,

Dan