Adding "cloud" or "grid" is really bs... when you think about it, companies like IBM and EDS have done this for years with their data centers. I don't think there is a health insurer in the U.S. who's purchased their own hardware in 20 years or more. It's all gussied up with a new, trendy name, and it's repackaged for the little guys, but it's about as new as pegging your jeans.