Previous to the post by Technical, I set the Standard Shield-High
This time Avast! 4 Home Free did detect the Virus on a web page and was able to remove it.
It detected the Downloading virus, but I was unable to remove it until I Ended Task on the Web Page.
Things are now looking a lot better.
Do you think it is best to set everything on "High".
at least I know that Standard Shield Must be set to High.