One day Freddy Frog wanted to get a bank loan. So he walked into the bank, and sat down at the loan officer's desk.

"I'd like a loan, please," said Freddie Frog to Patty Black, the loan officer.
"What do you have as collateral for the loan?" asked Patty Black.

"Well, I have this," replied Freddie Frog, taking an object out of his pocket and placing it on Patty Black's desk.

Patty picked up the object and looked at closely. "What is it?" she asked Freddie Frog.
"Why it's a knick-knack!" he replied.

Patty Black wasn't sure what to do. She was fairly new to her job as loan officer, and she didn't know if she could take a knick-knack as collateral for a loan.
She decided she'd better ask the bank manager what to do.

"Excuse me for a moment," she said to Freddie Frog, "I must ask the bank manager if we can accept your knick-knack as collateral for your loan."

"I'll wait right here," said Freddie Frog.

Patty Black walked over to the bank manager's office, and sat down at his desk. "I have a customer at my desk asking for a loan," she said to the bank manager.

"Who is the customer?" the bank manager asked.

"His name is Freddie Frog," she replied.
"Well you are the loan officer," said the bank manager, "Shouldn't he come to you for a loan?"

"Yes," replied Patty Black, "but that's not the problem."

"Well, what is it?" asked the bank manager, starting to get a little annoyed.
The bank manager had a short temper and was easily annoyed.

"It's the collateral he wants to use for the loan that's the problem," said Patty Black.
"He wants to use this." She showed Freddie Frog's knick-knack to the bank manager.

The bank manager looked at the knick-knack and said,

"It's a knick-knack, Patty Black, give the frog a loan!"

Sad but had to do it!!!......Yvonne