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Below is just one example of the malware which is currently attacking computers worldwide.
The recently arrived CryptoLocker ransomware trojan has been described as "game-changing" by one computer security expert.
CryptoLocker can gain access to a Windows computer by several routes. Clicking on a seemingly genuine email attachment is only one of the ways it gains access.
There are many others.
Simply by visiting an apparently bona fide website (which unknown to you contains malicious code), it is possible to become the victim of what is known as a "drive-by" download.
It is absolutely vital that all U3A members who are online take preventative measures via backups to protect their personal data.