You must love your [SaaS] vendor. You must trust your [SaaS] vendor. You must have your [SaaS] vendor's cell, home and wife's cell phone number. Your [SaaS] vendor is your lifeline. Do your research, make sure your cloud computing vendor has been in business for a long time, and with reasonable certainty, will continue to be in business for a long time. If a bank can go under, so can a cloud computing company. Maybe the answer is to use several different clouds. Don't put all of your documents into one cloud. Diversify. It's a tough economy out there, and at any given time, any company could be trudging up the bankruptcy court steps. The best you can do is to protect yourself as best you can.