As I understand it:
A Clustered Index orders the data physically by the index, so if you use Surname as a clustered index, when you do a select * you will get the surnames in alphabetical order.
A Non-clustered index is not physically reordering your database, but is creating a kind of lookup table that's ordered by the columns you choose.
It says in my book that you can have 16 columns for a clustered index. I'd have thought you'd only be able to choose 1 column though, as it's physically reordering your database by it? Or are multiple columns for if the first column contains duplicates?
Isn't it faster to always use non-clustered indexes, as SQL doesn't have to shuffle the data around?