A frog goes into the bank and asks the teller for a loan. The teller tells the frog to see Mr. Paddywack, the loan officer. Mr. Paddywack looks at the frog and says, What do you have for collateral? The frog pulls out of his pocket a solid silver elephant. Mr. Paddywack looks at the elephant and says, I dont know. Im going to have to ask Mr. Larson, the bank manager to approve this. He goes into Mr. Larsons office and comes back. Two minutes later, Mr. Larson comes out with the elephant and says, Its a knick-knack Paddywack, give the frog a loan!