A frog went into a bank to borrow some money. He met a young female loan officer named Patty Black. Ms. Black, having never done business with a frog, nervously asked the frog what he had for collateral and he said a "figurine".

Stunned, Ms. Black excused herself for a moment and went to seek advice from a bank vice-president. She told the VP she had a frog in her office wanting to borrow money and she didn't know what to do, she didn't even know what a "figurine" was.

The VP rather impatiently scowled at Ms. Black and said, "It's a knickknack, Patty Black. Give the frog a loan."