Level 3

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If you still use Windows 7 you need to be concerned with security issues after January 12, 2020.  While you can always use 3rd party programs (other than those than come with Windows 7), Microsoft will STOP providing security updates for Windows 7 after that date.  Support for Windows 7 will end on Jan. 14, 2020.  After that date Microsoft will no longer issue security updates to patch discovered vulnerabilities in the OS.  At that point your exposure to hackers will increase.  I strongly recommend that you upgrade to Windows 10.