This document discusses how cloud computing is changing startups and development. It provides advice for different types of entrepreneurs and developers. For non-programming entrepreneurs, it recommends using free cloud services to get started without needing upfront capital. It also advises building the first version yourself using basic HTML or frameworks like Ruby on Rails. For programming entrepreneurs and non-entrepreneurs, it highlights opportunities around building software as a service and providing services to other businesses. Finally, it addresses concerns around security, compliance, and how corporate IT departments and businesses can embrace cloud computing opportunities.