If I back up my entire system, and my computer crashes, will my online backup service restore everything to the way it was?

If you have backed up all of your files, your online backup service can restore all of your documents and program settings to their original locations if necessary. However, whether or not you choose to back up your program files, in the event of a complete system crash, you will still need to manually reinstall your operating system and each application individually. This means that backing up each application would probably not be particularly useful for you, and would most likely cause your daily backup to take significantly longer.

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