If you don't know you have pop-ups... log into your FocusIn account as see two very clear columns with # of CPM POP-UPS and CPC POP-UPS.
Focus In inserts them without your permission. I told you they were Evil.
PS: Actually, I personally hated them so much that I just told them that I'm quitting and they could keep all the money I had on my account. They rushed to say: "Fine". In about two days (they've probably checked the number of impressions I was generating for them ~200,000 monthly at that time), I got an e-mail asking if something was wrong with the service. They wanted me back.