Use a standard account when operating a computer on a daily basis. Using a privileged account puts you at greater risk from malware, viruses and ransomware. UT and Engineering policy dictates that you do not use a privileged account on a daily basis. If there is a need for an administrator privileged account, contact your IT staff. Based on the need, temporary administrator access or a secondary account with administrative privileges can be set up for required tasks.
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Other References:
How To Not Login As Administrator (And Still Get Your Job Done)
Top-10 List (To Keep Safe)
UT Minimum Security Standards For Systems