So a frog walks into a bank . . . The frog walks up to Ms. Whack, the loan officer and sits down. ""What can I do for you?"" She asks. ""I would like a loan, please."" The loan officer tells him the terms then explain that typically the bank requires some sort of collateral to make a loan. The frog reaches into his satchel and pulls out a ceramic . . . thing, and drops it on her desk. She looks at it, then back at him, with a puzzled look on her face. ""Will you excuse me for a moment, Mr. Frog?"" She quickly runs to the bank manager's office for some help. ""What can I do for you, Patty?"" he asks. ""Please come up front, I need some help with this customer, he said he has some collateral, but I don't even know what it is."" So they both walk back up to her desk where the frog is sitting, with the object in front of him. Patty says ""Mr. Frog has given this as collateral, but I don't know what it is or what to do with it."" The manager looks at the item, huffs up his chest and commands ""it's a knick knack Patty Whack, give the frog a loan!""