“But please,” exclaims the frog, “I really need this loan.”

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

“Only this,” he says. With that, the frog pulls from his pocket an object and hands it to Ms. Black. Not knowing what it was, but being too embarrassed to say so, she takes the object to the bank manager and explains about the frog and his request for a loan.

“Sir, I don’t even know what this is but it’s all he has for collateral,” she tells him.

The manager takes the objects, looks at it for a moment, hands it back and tells her, “Why, it’s a nick-knack, Patty Black, give the frog a loan!”