It takes the whole "give a man a fish" concept and takes it to the next level entirely.  No money lost in administrative bureaucracies or marketing campaigns.  Each and every penny you lend has a better than 95% chance of being returned to you in full.  Just think, the ability to be a charitable financier making a difference for viable businesses in the developing world... starting at just $25.

I think it's a brilliant idea - and if you aren't going to join or donate, please read what it's about.

http://www.kiva.org/

There’s no price to pay
When you give more than what you take.
That’s why it’s easy to thank you.

Climb up over the top
Survey the state of the soul
You’ve got to find out for yourself whether or not you’re truly trying
Why not give it a shot?
Shake it, Take control and inevitably wind up finding for yourself all the strengths you have inside of you.

- Jason Mraz

Weird.  First time in a long while that's happened... that's the thing... don't normally dream when you're awake... even nightmares imply that you'll wake up ... more of an unrelenting day-mare..