Why use a standard user account instead of an administrator account?

The standard account can help protect your computer by preventing users from making changes that affect everyone who uses the computer, such as deleting files that are required for the computer to work. We recommend creating a standard account for each user.
When you are logged on to Windows with a standard account you can do almost anything that you can do with an administrator account, but if you want to do something that affects other users of the computer, such as installing software or changing security settings, Windows might ask you to provide a password for an administrator account. http://co1piltwb.partners.extranet.microsoft.com/mcoeredir/mcoeredirect.aspx?linkId=12881948&s1=d617d442-ca04-f51f-7ac0-8f05d80dfcd8

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