I wouldn't count on online tools. In years to come, hobbyists will outperform the major packages, and we'll all be using open-source, or at least free stuff. OO is a clear example, so are all the free Mozilla thingies. Can hobbyists outperform Office? Who knows.. let's see what companies made in the 80's, and what a hobbyist can make today.. it's all a matter of time. And that time may very well be when the big names hope to be starting with web apps.