It may seem like an oxymoron, but why would you need to create a filing systems for your online business? "Online" somehow suggests that nothing is offline. If ever there was a case for a paperless office, a business that is entirely on the Internet seems like the ideal case. Is it?

Let me ask you something: What would happen if you lost your internet connection? You say that that couldn't possibly happen. You have guarantees with your supplier. You have a dedicated line. Your signal arrives via fiber optics. Or maybe you get it by satellite.

There are no end of ways that you could lose your connection completely, and you need to think about what you'd do if that happened.

There could be a brown-out. That's journalist-speak for a widespread loss of electricity. It's not uncommon in some parts of the world for thunderstorms to knock out the power, snow or ice to start pulling down power lines.

A heat wave could cause you to lose your electricity. When everyone starts running their air conditioners, that puts a huge strain on the electricity grid. In Britain, there used to be a noticeable dip in the nationwide electricity supplies when everyone made a cup of tea. It's true.

Another way you could lose your connection is if your ISP was hacked. Big sites have this happen all the time. There are numerous rogue programmers who like nothing better than to break into the most high profile sites; and some of them, who have an axe to grind find themselves at the mercy of a group of people who are determined to crash the site. The entire anti-virus industry, by-the-way, began as a result of malicious programs roaming around the Internet.

Or, may be a careless workman cuts your line while digging up something else. Less frequent, thankfully; but it happens. I can remember a time when an underwater cable across the Mediterranean, I think, was cut in half. It was weeks before the Internet was available for thousands of people.

Another possibility is sunspots. These are known to disrupt communications. Atmospheric disturbances can occur for no apparent reason, too. It just isn't possible to know.

And if you just happen to have all of your computer files, you know, the ones that you used to back up onto the hard drive on your desk, in an Internet cloud, then you're at risk of not being able to access anything.