A Frog walks into a bank at 4:45 and goes over to Patricia Black the loan officer. Frog says "" Hey Patty I need a loan"". Patty says ""You will need some kind of collateral"". Frog reaches in and pulls out something from his pocket and shows it to Ms. Black. Patty looks at it and says ""I don't know what that is, I will have to see if the old man upstairs will come and look at this, it is getting late and he will want to leave soon"". Old man comes down, Ms. Black shows him the frog's collatera…