eceiver; [0026]FIGS. 17A and 17B are a flow diagram of an embodiment of a process for moving money out of a stored value fund for a receiver; and [0027]FIG. 18 is a flow diagram of an embodiment of a process for selecting a gift for reference in the eCard. [0028] In the appended figures, similar components and/or features may have the same reference label.