Finn finally went to the chemistry department at his college to see if anyone there might be able to help. Tom looked into the problem and came up with a solution. The little frogs had succumbed to a chemical change in the swamp’s water and simply couldn’t stay coupled long enough to reproduce. Tom brewed up a new adhesive, made from a dash of this, a zoss of that and, most critically, one part sodium. “You mean…?” said Jim.

“Yes,” said Tom. “They need a mono-sodium glue to mate!”

“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!”