BleepingComputer.com: Spybot S&D...Administrator?

When an administrator logs on to a computer that is running Windows 7 or Windows Vista, the user is assigned two separate access tokens. Access tokens, which contain a user's group membership and authorization and access control data, are used by the Windows operating system to control what resources and tasks the user can access. The access control model in earlier Windows operating systems did not include any failsafe checks to ensure that users truly wanted to perform a task that required their administrative access token. As a result, malicious software could install on users' computers without notifying the users. (This is sometimes referred to as a "silent" installation.)

Even more damaging, because the user is an administrator, the malicious software could use the administrator's access control data to infect core operating system files, and in some instances, become nearly impossible to remove.

Unlike earlier versions of Windows, when an administrator logs on to a computer running Windows 7 or Windows Vista, the user’s full administrator access token is split into two access tokens: a full administrator access token and a standard user access token. During the logon process, authorization and access control components that identify an administrator are removed, resulting in a standard user access token. The standard user access token is then used to start the desktop, the Explorer.exe process. Because all applications inherit their access control data from the initial launch of the desktop, they all run as a standard user.