[mfheretic]

These are valid points. If I could focus on just one issue of legality, what about insisting that child labor laws are obeyed? I know you could question this on the basis of one person is pro-hunting, another is anti-hunting, so it is subjective. But I think most people are not in favour of child labor. If we could just insist on one law, would this be one that is worth Kiva incorporating? It wouldn't be perfect, monitoring is a problem, definitions of child labor vary from country to country, but perhaps a mild attempt to at least only partner with banks that have a stated policy of obeying local child labor laws with their loans would be a good start? Some microfinance players do have such policies, one of the best is Oikocredit, but in fact many have these policies. Would that be one law that is worth insisting on?