A frog came into a bank to obtain a loan. He spoke to the loan officer Mr. Paddywack. When Mr. Paddywack asked the frog what he had for loan collateral, the frog held out his hand. Whats that? asked Mr. Paddywack, but the frog could not talk. So, Mr. Paddywack took the frog in to see the manager and explained the situation. The manager then asked the frog what collateral he had for the loan and the frog held out his hand. Oh, said the manager, thats a knickknack Paddywack, give the frog a loan.