The only malware in the wild that can affect Mac OS X is a handful of trojans, which can be easily avoided with some basic education, common sense and care in what software you install. Macs are not immune to malware, but no true viruses exist in the wild that can run on Mac OS X, and there never have been any since it was released 10 years ago. It also serves to prevent others who the owner allows to use their computer from installing apps without the owner's permission. However, the password serves to remind a user that an installation is in progress and gives them an opportunity to stop and think about what they're installing and where they got it. That password protected many Mac OS X users who encountered the MacDefender malware, by preventing it from proceeding with the installation process that automatically launched after an automatic download. The only malware in the wild is in the form of trojans, which the user must install, usually having to enter the password. You can't get malware on Mac OS X simply by clicking on something.
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