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george "bulldog" adamshey matt that`s some poor information you`re tossing around it has nothing to do with msn messenger and it has nothing to do with chat clients and no passwords need to be changed this is a worm which is a self-replicating program or algorithm that sends a copy of itself to everyone listed in their email address book and then the worm self-replicates and sends itself to everyone listed in each of the receiver`s email address books and the end result is a huge devastating effect which can cause web servers and network servers and individual computers to crash due to the copying and traveling nature of the worm as it eats up so much system memory and network bandwidth. bulldog