Be very careful: OK, there are 3 "download" links on the page TJSanders referred us to to get our factory ROMS. Only 1 of them isn't a virus or spam programs. (What a horrible page to refer us to TJ!!!)
The real link (as of today's date) is here:
http://fs1.d-h.st/download/00026/0kd/VirginMobileUSA. zip (<-- Move the .zip all the way left to complete the url. Copy and paste it into your browser. If you just "click" on TJ's link, the hyperlink with take you to the page with viruses).
His instructions are a little mixed up, but he does include everything you need to do with them. Just make sure that before you close any window or application you have read a few sentences ahead and checked every box, and added every file, etc. that he instructs, before you close that window or program.
At the end, my flashtool said
OWNLOAD FAILED! That was inaccurate. I have all my original program again. A little sloppy, but good work TJ!