The Frog and the Bank

This frog was really down on his luck. All he had left in the world was
this little ceramic figurine his mother had willed him when she croaked. So
he decided he'd go to the bank and get some money so he could improve his
lot in life.

He wrapped up the figurine and hopped on down to the local bank. When he
got to the bank, the bank receptionist directed him to a loan officer by the
name of Mr. Paddywack.

Mr. Paddywack took one look at the frog and knew his day was ruined. "Ok,
he said, what can I do for you?"

"Well, I'd like a small loan," the frog said, "So I can get back on my
feet." "We don't usually loan money to frogs," Paddywack said. "Do you have
anything in the way of collateral?"

The frog held up the figurine and said, "Well, I have this."

Paddywack rolled his eyes and said, "I'm going to have to ask my manager."
He went to find the manager, and told him, "You're not going to believe
this. There's this frog out here, who wants money. He has this," he holds
up the figurine, "for collateral. Have you ever heard of something so dumb?"

The manager scowled at him and said, "For God's sake, it's a knicknack,
Paddywack, give the frog a loan!"

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