So this frog walks into a bank and inquires about borrowing some money. The receptionist directs the frog to have a seat and wait until someone can help him. Pretty soon one of the loan officers, Patty Wack, comes out and greets the frog and leads him to her office. "So I understand you are interested in taking out a loan from us," Patty says. The frog nods in agreement. "Do you have any collateral?" Patty asks. The frog again nods in agreement and produces a mysterious object. Patty takes the object from him and examines it. She can't quite figure out what it is, although it looks somehow valuable if not a bit gaudy. "Excuse me a moment," she says. She calls the Bank President and summons him to her office. She explains her plight: "Mr. Frog here came in seeking a loan and wants to use this object for collateral, but I'm not sure how valuable it is or if we can accept it." The Bank President looks at the object, sniffs, and exclaims quite loudly, "It's a knick-knack, Patty Wack, give the frog a loan!"