Online Scammers Go Spear-Phishing
Ant wrote to mention an examination at C|NET looking into the increasingly more effective techniques employed by phishers. From the article: "More recently, however, a hybrid form of phishing, dubbed "spear-phishing," has emerged and raised alarms among the digital world's watchdogs. Spear-phishing is a distilled and potentially more potent version of phishing. That's because those behind the schemes bait their hooks for specific victims instead of casting a broad, ill-defined net across cyberspace hoping to catch throngs of unknown victims."
There is more than one way to format a disk. If you do it with FDISK and don't provide the /MBR option it does not recreate the master boot record. If your virus is hiding there it will survive.