You know the nice things I wrote yesterday about ZoHo? I take most of them back.
Their word processing app is fairly decent, but their wiki and creator products really aren't that good. The wiki support page is full of unanswered questions dating back nearly a year, the database creator is agonizingly frustrating to use if you trying to do anything non-drool-inducing (like add a formula to calculate someone's current age given their birthday), and the docs are double-plus-ungood.
Microsoft's got nothing to worry about there.