One day while at her job as a bank loan officer, Patty Black, had a frog hop onto her desk and say, "I would like to apply for a lily-pad improvement loan." Patty looked incredulously at the frog and said, "I'm sorry, we don't loan money to frogs." To which the frog replied, "I have collateral," as he handed her a small ceramic trinket. Not wanting to be impolite, Patty said, "I don't know. I'll have to talk to the bank manager." She walked back to the manager's office and said, "There is a frog out here, asking for a lily-pad improvement loan, and this trinket is all he has for collateral." The bank manager picked up the trinket and looked at it carefully. Then smiling he turned to Patty and said, "Why it's a knick-knack, Patty Black. Give the frog a loan."