A frog hopped into a bank... ...dressed in a tiny tuxedo and approached the desk of first loan officer he saw. ""Good afternoon, madam. I am Francis the frog and I'd like to take out a $5000 loan."" The loan officer sat stunned for a moment then shrugged and smiled, ""I'm Patti Black and I'll be happy to assist you. In order to give out loans we do require a bit of collateral, though."" ""Certainly!"" Francis replied, producing a a tiny, white elephant from an unseen pocket and placing it upon Patti's desk, ""I believe this will qualify."" Patti picked up the trinket and looked it over with a wary eye, ""I'll have to talk to my bank manager about this. Please wait here until I return."" Francis gave her a nod and whistled softly to himself as Patti went to the back offices. She approached her manager's office and knocked on the door. The manager waved her in, ""How can I help you, Patti?"" ""Well, sir, there's a frog out there who wants to take out a loan but this is all he has for collateral. I'm not sure what it is or what I'm supposed to do with it."" She handed over the tiny elephant statue and the manager examined it closely before handing it back to her with a smile. ""It's a knick-knack, Patti Black, give the frog a loan.""