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Has Anyone realized ROI with Cloud Computing ROI?

Question to the viewers of this blog is how many have used concepts of cloud computing (and I do not mean private clouds, here)? Are you looking at Cloud computing for reduction in infrastructure costs by moving to a pay as you use concept or to augment your peak capacity or else are you using cloud sofware as a service?

What is your experience and are you realizing the ROI as in a lowering of your TCO, or increase in operations efficiency and availability?

Thanks for your input.
surekha -