She was a friendly-looking young woman with a name tag that said Patricia Whack.
“I'm looking to take out a personal loan of $5000,” the frog said.
The loan officer stared at him skeptically. “Do you have anything to offer as collateral?”
The frog dug around in his pockets, and after a moment he produced a small, badly misshapen clay statue.
“What on Earth is that?” The loan officer asked.
“It's just a trinket. I don't have much to offer as collateral, I live in a swamp you see. But I swear I'm good for it!”
The loan officer crossed her arms. “Is it valuable? The bank is not a charity, sir!”
At this, the frog burst into tears. “Please! I'm desperate! My wife is pregnant with our 4000th-8000th kids, and things are tight! Can't you help me???”
Hearing the commotion, the bank manager came over and asked what the trouble was.
The loan officer explained: “This frog wants a $5000 dollar loan, and all he's offering for collateral is this little… thing. I don't even know what this is supposed to be!”
The manager looked at the clay statue, threw his hands up and said
“It's a knick-knack, Patty Whack, give the frog a loan, his old man's a Rolling Stone!”