Though there are many research directions in Cloud computing, some hot research topics seem to be of some degree of short-term significance to the Cloud provider/users, while some of their practical challenges appear to create new queries.

There are various classifications of Cloud research. Cloud security alliance classifies Cloud research into three broad categories. (A) Cloud architecture (B) Governing in the Cloud and (C) Operating in the Cloud.

The last two categories are further sub-classified as under. (B) Governing in the Cloud: (i) Governance and enterprise risk management (ii) Legal and electronic discovery (iii) Compliance and audit (iv) Information lifecycle management (v) Portability and interoperability (C) Operating in the Cloud. (i) Traditional security, business continuity, and disaster recovery (ii) Data center operations (iii) Incident response, notification, and remediation (iv) Application security (v) Encryption and key management (vi) Identity and access management (vii) Virtualization.

Expert group classifies the Cloud research into two broad categories. (A) Technological research. (i) Elastic scalability (ii) Cloud (systems) development and management (iii) Data management (iv) Programming models and resource control; (v) trust, security and privacy (B) Business Perspective. (i) Economical aspects; (ii) Legalistic issues; (iii) Green IT.

Representative APR 391%. Average APR for this type of loans is 391%. Let's say you want to borrow $100 for two week. Lender can charge you $15 for borrowing $100 for two weeks. You will need to return $115 to the lender at the end of 2 weeks. The cost of the $100 loan is a $15 finance charge and an annual percentage rate of 391 percent. If you decide to roll over the loan for another two weeks, lender can charge you another $15. If you roll-over the loan three times, the finance charge would climb to $60 to borrow the $100.

Implications of Non-payment: Some lenders in our network may automatically roll over your existing loan for another two weeks if you don't pay back the loan on time. Fees for renewing the loan range from lender to lender. Most of the time these fees equal the fees you paid to get the initial payday loan. We ask lenders in our network to follow legal and ethical collection practices set by industry associations and government agencies. Non-payment of a payday loan might negatively effect your credit history.

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