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Most small businesses have a person who quietly holds everything together. They know how the systems work, where things are kept, and who to call when something breaks, usually because they set most of it up themselves. It runs smoothly, right up until the day that person is on holiday, off sick, or leaves, and the business discovers how much of it was living in a single head. This is called key person risk, and it is one of the most common and least recognised vulnerabilitie

The most common objection to moving to the cloud is understandable and, on the face of it, reasonable: "we already pay for our IT, why add another monthly subscription on top?" It is a fair worry, right up until you notice that the new subscription is not an addition at all. It is a replacement. A cloud setup quietly takes the place of a whole stack of separate costs you are already carrying, several of which are hidden well enough that finance never fully sees them. Netted o