A frog walks into a bank and asks the teller, “Who do I talk to about getting a loan?” The teller shows him to the office of the loans manager, Ms. Patricia Black.

“I would like a loan for $20.00 to buy a new lily pad,” the frog tells her.

“Do you have any collateral?” asks Ms. Black.

The frog produces a small statuette of the Eiffel Tower with the inscription “Souvenir of Paris” engraved on the base. Unsure whether or not the object is worth the amount of the loan, she summons the bank manager.

The manager inspects the trinket, nods his head, and says, “It’s a knick-knack, Patty Black – give the frog a loan.”

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