Now let us take look at some specific research issues and research going on in Cloud computing. As image is one of the core components of Cloud computing, image’s meta-data management, image optimization, image loading time, image format standardization and image portability are interesting open issue. Other challenges include how to collect, design, store and present provenance information.

As discussed in previous sections of this paper, another research and engineering challenge is security. Issue of security and trusted computing is hot spot of research in Cloud computing. Security applications/services (e.g. antivirus) and identity management are also some motivating issues in Cloud computing. Building an efficient customer add-on controller outside of the Cloud utility service that may include feedback control is an interesting subject of research.

Another area is to study the challenges of optimization in Cloud computing and proposing a business driven Cloud optimization architecture which may address the challenges to one extent.

There is a lot can be done in the way file systems are handled in Cloud environment. In the Hadoop Distributed File System (HDFS) and the Google File System (GFS), a Namenode is required to keep a list of all files in the Cloud and their respective metadata (i-node). Besides it has to do almost all file related operations such as open, copy, move, delete, etc. This may not scale and can potentially make the Namenode a resource bottleneck. EDFS uses a central front end server to distribute keys.

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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