Someone I don't do hosting for got hacked and Google sent them a warning message - it's just a one page site in html with pics in a jquery gallery.
So.. I downloaded the html file to see what was in there and it was the iframe hack - a one liner that pointed to a malicious site.
OK... but how come when I downloaded the file with Filezilla, MS Security Essentials immediately deleted the file.
(I switched it off to get the file)
That means MS sec must be scanning new files on the computer and following links.
Seems weird that it's following links in a file sat on my hard disk.. is that what you'd expect?