I'm a little tired of reading about online applications, and outsourcing. It seams to me that unless a process requires majorly expensive equipment, of which you won't fully use, then it should be cheaper to operate in-house. Web hosting, e-mail, and most all such services can be run in-house on Windows or Linux. Surely outsourcing companies aren't providing their services because it's better that way. They are doing it because it's profitable for them. That's means that it's costing you money.