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"It's in the cloud." Few phrases in business are said more often or understood less. People nod along in meetings, sign contracts, and hand over their most important data, all on the strength of a word that sounds reassuringly modern and explains almost nothing. The truth is that "the cloud" covers a huge range of very different arrangements, some excellent and some worrying, and knowing which one you are actually using matters a great deal. What Does "The Cloud" Actually Mea