Wow, I can answer both of these questions
1) Yup, once your account is set up you can contact Kiva to make it non-withdrawable. It means simply what it says, the money is committed in perpetuity and cannot be taken out for any reason. It also means money placed into that account is eligible for a tax receipt for American citizens... its not an ideal solution for people looking for a way to securely share an account password but its something anyway. Its not particularly publicized I guess but we have been talking a lot with Kiva about group lending options as they sloooooowly look in that direction.
Sorry Dan - I 've tried to post this where I've noticed the question but Kivafriends is a bit of a maze sometimes if I can't get on here a lot!
2) Julia is indeed recovering from Super Tuesday AND still working like crazy to mobilize Obama support in other states...AND helping us (when possible) coordinate our stop in LA on this years Pacific Coast cycling tour for Kiva loans

Shawn