Isn't it great having ALL of your data online and UNREACHABLE!!!  No.  Didn't think so.  This Cloud stuff should state:  "The following program that utilizes the Cloud for all of your important and sensitive data is exactly like a Cloud.  It consists of a vapor that is sometimes un-viewable.  Oh it's there, you just cannot see it.  Or use it.  But you will continue to be charged for it.  If you have any problems signing on to your account, merely sign on to your account and hit the HELP button."