This frog walks into a bank to ask for a loan, 'cause his pad is just a pad.

He walks up to the loan officer and says:

Hi, I'm Froggie the Frog.

She says: Hi I'm Patricia, Patricia Black. Call me Patty.

He goes: So I need a loan to fix up my pad.

She: We're gonna need some collateral. Have any real estate? Stocks? Bonds? Securities? Options? Valuable antiques, precious metals ....?

He: Well. Not really. All I have beside my lily pad is this. (And he pulls from a paper bag a ceramic unicorn painted pink and blue.)

The loan officer, Patty, is disgusted. She says "What the hell kind of collateral is that?!?!@ "

A nearby teller, a kind man, simply replies: "It's a knick-knack, Patty Black. Give the Frog a loan." And that old frog fixed up his home.