What Jim said re the Spanish bank. Caused me serious grief, they did. Never again!
Rapport: I don't know what it does or is supposed to do, but I was called in to "fix" a neighbour's PC a few weeks ago. Her son had been using it for "games", and had managed to import a large number of browser hijackers and other similar rubbish. But what was really gumming it up was Rapport - which hadn't protected her against the junk anyway.
Junk and Rapport removed (that took a whole afternoon) and all is well.