I store my most important, non-confidential files (like photos) on an offsite array of servers hosted by an enormous company with multiple redundancies and protection against even the largest disasters (for exmaple, backup servers in various locations in the country), and it's all free. Can we say "Yahoo". <img src="/images/graemlins/grin.gif" alt="" /> There are good options out there for off site storage with better redundancies and other protective mesures than most corporations have. You just need to recognize and use the services creatively.
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Learn to improvise everything.