In theory it turns your browser into a flexible smart terminal and the main program you execute. The program you run and data you store is somewhere else on the planet similar to the old concept of a main frame.
With Panda Cloud Anti-virus you do not need to be connected to the Internet all the time in order to be protected. Panda stores a local cache copy of " Collective Intelligence" for offline operation. If you are disconnected from the net, it still works in the background, checking files against its local cache of the most common threats in circulation. I do not know if ClamAV for Windows provides this same type of protection. McAfee SiteAdvisor, WOT, Google's Safe Browsing, Webutation, avast! WebRep, etc) use a system of volunteer testers that continually patrol the Internet to browse sites, download files, and submit information.
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