This was told to me about twenty years ago by a guy who at that time was like a 3rd vice President in a small bank. He now owns his own bank and hasn't changed a bit. OK, it goes that a frog went into a bank to borrow some money with a little toy car about the size to go into one of those printer's drawers that people hang on their walls and put little trinkets into the various slots and wanted to use this toy car as collateral for a loan.. The receptionist at the bank sends the frog to a loan officer whose name was Patty Mack. Well, the frog makes his presentation, outlining his business plan and describing in golden terms the value of his collateral. The loan officer hasn't the slightest idea how to handle this as she has never seen such a thing being offered up as collateral, much less being offered up by a frog, so she goes to see a vice President who says he will mull over the matter for a bit. After a while the Vice President comes into Patty Mack's office where the frog is patiently waiting and sweating the whole thing. Patty Mack asks how the trinket can be used as collateral to which the Vice President replies: "It's a Knick-Knack, Patty Mack! Give the frog a loan!" True story. Saw the guy a few weeks back at a local watering hole and reminded him of it. He re-told the joke to everyone at the table to much uproar!