What UAC does is REMOVE your administrative privileges when you log on to an account that has them.
It became fairly obvious that there just wasn't any way to convince people of how bad it was, so Microsoft invented "UAC" (User Account Control) for Vista and Windows 7. It's like leaving all your doors and windows unlocked because you can't be bothered to fish a key out of your pocket every time you come home. Using an administrative account all the time is BAD security practice. Same goes for e-mail attachments and a host of other risks. It can go ahead and install anything it wants on your system - viruses, keystroke loggers, adware, etc. The problem with that is if you're an administrator and you happen to, say, click on a malicious web page, the web page has full administrative rights too. The reason is that under Windows XP everyone used Administrative accounts to do everything. The account I'm typically logged in under is an administrator account, but I still have to do this often, why is that?
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