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I want to talk to you a moment about Kiva. Kiva is a web site that lets you provide micro-loans to the poor with only $25. The loans are given to entrepreneurs and are facilitated through Kiva’s partnership with local micro-lending organziations. The micro-lending organization collects interest and you collect the principle on the loan. When your money is paid back, you can re-lend it. My family has a number of these loans in play and have been paid back many times and re-loaned again to new entrepreneurs. Example: Kossi, a man in Lome, Togo, Africa needs $1200 for a new taxi, so he can sustain his family. You loan …

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