1.   But virus experts say the Love Bug also spurred companies and individuals to adopt new security precautions that screened out the new, deadlier attacker.

2.   Current hot spots for virus writing are India, New Zealand, Australia and the United States, virus experts say.

3.   In the vast majority of people infected with West Nile, there are almost no symptoms, or at most a flulike reaction or aches, virus experts say.

4.   Independent virus experts say that viruses attached to programs or the boot sectors are relatively rare.

5.   Other virus experts said revenge, typically at an employer, is often a motive for adult writers of viruses.

6.   Thursday a number of virus experts said they were puzzled by the recent destructive bent within the virus writing community.

7.   Virus experts said they welcomed the increased vigilance.

8.   Virus experts predict new ones will be worse, gouge deeper, spread wider.

9.   Virus experts warned consumers not to let holiday cheer get in the way of routine caution about viruses.

10.   Virus experts think that Klez picked up Chernobyl by chance.