JoyceClifford gave a check for $5,000 to her nephewCarl to help with living expenses for his last year of college. The face of the check stated, “As a loan.” Years later, Carl wrote to his aunt asking what he should do about the loan. She responded on her Christmas card simply, “On money—keep it—no return.” After Joyce’s death, her administrator sued Carl after discovering the “As a loan” canceled check. Decide.