A malicious hacker is thinking of designing a virus which installs itself on a person's computer and runs "in the background". When the computer's owner accesses a bank website, the virus accesses the memory associated with the web page and makes a bank transfer. Why is this unlikely to work?

1. no data about a website is stored in a computer's memory

2. the virus would need to run on an administrator's account

3. only kernel software can "run in the background"

4. the virus would need to access privileged instructions, which it cannot do