This document discusses how traditional anti-malware solutions are no longer sufficient to protect against modern cyber threats. It outlines how malware has evolved from disruptive viruses created by hackers to sophisticated programs developed by organized criminal groups to steal identities and financial information for profit. It explains how the internet, and especially websites, have become the primary attack vector used by cybercriminals. Traditional signature-based anti-malware is ineffective against these new threats because malware changes rapidly and uses evasion techniques to avoid detection. The document promotes AVG's three-layer protection approach and its ability to provide stronger security through behavioral monitoring and heuristic analysis in addition to signatures.