A frog hops into a bank and goes up to the nearest teller: "Hello. I'd like to inquire about obtaining a loan."
The teller looks rather puzzeled and replies, "This is most unusual. For starters, do you have any collateral?"
"Yes I do."
"I'm going to refer you to one of our loan officers, and she can assist you further."

The teller takes the frog to an office just across the floor and begins introductions.
"This is Patty Black, one of our loan officers. She will be able to help you."

"Hello. I'd like to inquire about obtaining a loan."

Miss Black looks over the frog and remarks, "This is a most unusual request. We have never had a frog apply for a loan before. I'll start by asking if you have any collateral."
"Yes I do."
"And what do you have for collateral?"

The frog reaches into a pocket and pulls out a small ceramic horse with lovely hand-painted detail. The frog places the horse in Miss Black's open hand; she is puzzled by this situation.
"Will you excuse me for one minute? I have to consult with my manager before we can continue."

Miss Black excuses herself and makes her way to the office of the bank branch manager.

"Excuse me sir, but I have a problem."
The Bank Manager asks, "Yes, Patty? What is it?"
"I currently have a frog sitting in my office applying for a loan. I asked the frog for proof of collateral and he gave me this."
Patty places the ceramic horse on the manager's desk.
"What is this supposed to be?"

The Bank Manager looks at the ceramic horse and responds . . .

"It's a knick-knack Patty Black, give the frog a loan."