This morning at 8am I will participate in a discussion around the costs and benefits for small to mid-size enterprises (SMEs) from using Software-as-a-Service (SaaS). Here are some of my key thoughts:Total cost of ownership (TCO) studies are highly suspect. The real cost of installed software has historically been an ossification of organizational structure around fairly inflexible offerings. With SaaS we are seeing more flexibility around what can be adopted by whom and how it can change ove...