If you are not protected by any kind of anti-virus, there are a ton of disastrous things that could happen to your computer. Your hard drive could be wiped clean, files lost or damage, constant freezing, or worse, people could log on to your computer and steal your information. If any of this happens, more than likely you will have to replace any of your hardware that has been damaged. Even a simple free downgraded anti-virus can help prevent you from spending hundreds on replacement parts.
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