A frog goes into
the bank and asks the
teller for a loan. The teller tells the frog to
see Mr. Paddywack,
the loan officer.
Mr. Paddywack looks at the frog and says, “What do
you have for
collateral?”

The frog pulls out of his pocket
a solid silver elephant.

Mr. Paddywack looks at the elephant
and says, “I don’t know. I’m
going to have to ask Mr. Larson, the
bank manager to approve this.”

He goes into Mr. Larson’s office
and comes back.

Two minutes later, Mr. Larson comes out with
the elephant and says,
“It’s a knick-knack Paddywack, give the frog
a loan!”