I'm not sure what it was I clicked on if I did in fact click on it. I was looking for wallpapers using Bing Images, clicked on several links opening new tabs to all the host web sites that I was interested in, then opened one of the tabs and before the page had even finished loading that's when it happened.
As part of the process of getting rid of it I wiped my browser history throughly and deleted all my cookies, not just those I'd collected that day so I have no records
As for it being my fault: really? The whole nature of a trojan like this is that you don't know its there. You can take precautions but if you're searching for something the whole point of it is you're going to be going to previously unknown web sites.
I have Avast and an anti-malware program all religiously kept up to date (and firewall obviously). I'd done my weekly updating and maintenance including virus and malware scans only 24hrs earlier. I also use an additional Firefox and Opera Web Rep plugin to the Avast one.
Ever since I had this laptop, my first true computer, I've manually scanned everything it is possible to scan I've ever dowloaded first with Avast, then Malwarebytes and finally, sometimes, a legacy AV used just for this purpose. If it is a compressed file I even rescan after opening it. That's how cautious I am.
What more could I have done except not click on a link which, of course, if I had known was infected, I wouldn't have gone anywhere near?