May have a "keylogger" or some malware or phisher - running a few different antivirus progs.

I had ctfmon.exe, but finally removed it. No Office installed, so don't know why it was there, but it never went away, so I used a remover. Other than that, all scans come up clear.

hijack this log:

Logfile of HijackThis v1.99.1
Scan saved at 4:49:15 PM, on 11/23/2007
Platform: Windows XP SP2 (WinNT 5.01.2600)
MSIE: Internet Explorer v7.00 (7.00.6000.16544)

Running processes:
C:\WINDOWS\System32\smss.exe
C:\WINDOWS\system32\winlogon.exe
C:\WINDOWS\system32\services.exe
C:\WINDOWS\system32\lsass.exe
C:\WINDOWS\system32\svchost.exe
C:\WINDOWS\System32\svchost.exe
C:\WINDOWS\system32\ZoneLabs\vsmon.exe
C:\WINDOWS\system32\spoolsv.exe
C:\WINDOWS\system32\wscntfy.exe
C:\WINDOWS\Explorer.EXE
C:\Program Files\QuickTime\qttask.exe
C:\Program Files\Zone Labs\ZoneAlarm\zlclient.exe
C:\Program Files\SurfControl\CyberPatrol\cpserver.exe
C:\WINDOWS\System32\svchost.exe
C:\Program Files\Internet Explorer\iexplore.exe
C:\WINDOWS\system32\NOTEPAD.EXE
C:\Program Files\Antivirus\HijackThis.exe

O2 - BHO: Adobe PDF Reader Link Helper - {06849E9F-C8D7-4D59-B87D-784B7D6BE0B3} - C:\Program Files\Common Files\Adobe\Acrobat\ActiveX\AcroIEHelper.dll
O4 - HKLM\..\Run: [Adobe Reader Speed Launcher] "C:\Program Files\Adobe\Reader 8.0\Reader\Reader_sl.exe"
O4 - HKLM\..\Run: [TrojanScanner] C:\Program Files\Trojan Remover\Trjscan.exe
O4 - HKLM\..\Run: [QuickTime Task] "C:\Program Files\QuickTime\qttask.exe" -atboottime
O4 - HKLM\..\Run: [ZoneAlarm Client] "C:\Program Files\Zone Labs\ZoneAlarm\zlclient.exe"
O4 - HKLM\..\Run: [MSConfig] C:\WINDOWS\PCHealth\HelpCtr\Binaries\MSConfig.exe /auto
O23 - Service: TrueVector Internet Monitor (vsmon) - Zone Labs, LLC - C:\WINDOWS\system32\ZoneLabs\vsmon.exe