OK, this one's a little long... you have been warned... A frog hops into his local bank, up onto the counter, and smiles sweetly at the cash clerk. She blinks in surprise, and says, 'Can I help you?' The frog glanced at her name tag. 'Yes, please... Patricia? I'd like to take out a loan.' 'A loan?' 'Yes, that's right. I'd like to borrow $1,000,000.' 'A million - may I ask what for?' 'I'm hoping to buy a yacht.' 'But you're a - I mean, you - ' The frog looks confused at her for a second, while she regains composure. finally, she says, 'Well, we can't just give you our money. You have to have collateral.' 'Collateral? what's that?' 'It's something you own of value, that we can take if you default on the payments.' 'Ah, yes, I know all about that. Here, I brought this.' and the frog extends his tongue, revealing it to be holding some sort of plastic cracker toy at the tip. The cash clerk takes it dubiously, not least because it's covered in frog spit. 'Um... what is this?' 'It's my collateral.' 'You want to put this up in exchange for a million dollars?! I'm sorry, sir, but are you crazy?' The frog sighs. 'Look Patricia - I can still call you Patricia, can't I? - just go in and talk to your manager, and I'm sure everything will be sorted. Just tell him Kermit Jagger is out here.' So the clerk picks up the little cracker toy, and heads to the manager's office. The managers looks up from his huge oak desk. 'Ah, Miss Whack. How can I help you?' 'Well, there's a frog on my desk, asking to take out a loan, sir.' 'A loan? How much does he want?' 'A million dollars, sir.' 'And what does he want it for?' 'He says he wants to buy a yacht, sir.' 'I see... did he bring any sort of collateral?' 'Yes - no - well, not really, sir. He just gave me this, sir.' and she hands the thing to the manager, who sits up and seems to be struck by something all of a sudden. 'What did this frog say his name was, Miss Whack?' 'Um, Kermit, sir. Kermit Jagger. Look, sir, what should I do? I don't even know what tht thing is!' The manager, sighed, and settled back in his plush leather chair. Tossing the thing back at the clerk, he said.... 'IT'S A KNICK-KNACK, PATTY WHACK. GIVE THE FROG A LOAN. HIS OLD MAN'S A ROLLING STONE!' (I'm so, SO sorry!) jonthecelt