I disagree with Schmidt. I don't use any real information with Google or Apple or anything on the web. How much more secure can that be. The security level is all the same for me. Doesn't matter how secure the companies are trying to make. Some day, some how, hackers, insiders or from outside, will break into the system and steal all the info. Do strong encryption with anything you put in the cloud which you don't want others to see/use.