C
(1) Most current anti-virus programs will not protect you against trojans
This is not true. A trojan is just (potentially) a particular class of virus. Most antivirus programs will protect you from trojan infections. Of course it also makes sense to run a firewall in order to protect against the operation (e.g. unauthorised connections into/out of your PC) of a trojan should one slip through. Of course, in its purest sense, a trojan is simple a program which claims to do one thing but actually does another.
Bingo! — problem solved; thanks again, dannymur!
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