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?…