I got hit with this last fall.  I reformatted.  Then, the very next thing I did was disable Active X and require Explorer to prompt me before I run any Active X controls.  From what I understand, this thing hits your computer as an Active X control.  Regardless, since I've changed my Active X settings, I have had zero issues--zero.  And, I don't run anti-virus at all, merely CCleaner every two weeks.