Last year for Christmas, I gave my brother and SIL a $50 gift certificate to Kiva, an organization that makes microloans to people in Third World countries so they can start businesses. (My B and SIL have plenty of money and can buy anythign they want so I thought this might be a cool thing for them to do with my nieces--provide a loan, see someone do something with that money, etc.)Today, I got an email that they still haven't "used the gift certificate" i.e., given the loan out to anyone. Should I forward them that email to them as a reminder? Just make the loan myself? DH says I should just make the loan myself since they probably didn't read the certificate and just thought I made a donation in their name.