hi guys.  i normally don’t take things too seriously here, but i would be remiss if i didn’t invite you all to join kiva.org, a non-profit organization set up to help struggling business owners in countries without a formal banking system.  rather than simply making donations, the idea here is to make loans, which the business owner then pays back over a predetermined amount of time.  when the loan is repaid, the money is yours again to keep or hopefully, re-loan.  the current repayment rate is 98.91%, and i have never had a loan go unpaid.  please consider joining!