Seems to be endless problems with virus's, bugs, Trojans etc Howard. Some banks, Barclays for one, offer free virus programmes that further reinforce your online protection by providing the use of a safer browser when banking.
Rapport also offer a free programme for use in validating the websites identity that you visit and it will also provide an alert if you enter a previously used password in another site.
There are some clever people out there who make a living out of cracking new security patches , so I think it is even more important now to keep your operating systems up to date too.
(Edited to correct spelling).
Do nothing and nothing happens.