Font Licensing

Hello to all experts,

I am new to designing so please bear my ignorance.

I am using a licensed CS3, and wish to know if I can use all of the adobe fonts for commercial type artwork, or do I have to purchase an additional license for each font I wish to use when designing a commercial product.

If anyone knows, I wish to extend the same question towards standard Windows fonts. I am using a licensed windows (both XP and Vista), and wish to know if I need to purchase an additional commercial license for standard fonts such as "Arial", "Times New Roman", "Tahoma", "Comic Sans MS", etc. Unfortunately, I could not get a proper answer from Microsoft.

Thank you in advance.