So There's This Frog That Decides He Wants To Update His Lily Pad...

Cause his old one's getting a little haggard, but he doesn't have enough money. So he goes into a bank, and goes to the loan officer (his name is Paddydack);

Paddydack: "Hi Mr. Frog, what can I do for you today?"

Frog: "I need a new lily pad."

Paddydack: "Well what do you have for collateral for your loan?"

Scrambling through his things, the Frog says: "Uhh, hmm, well I have this bottle cap that fell to the bottom of the pond, and I've got this shoe string.. and I've got a chunk of an old tennis ball.."

Paddydack: "Unfortunately those things don't count as collateral.."

Frog: "But this is all I have!"

Paddydack: "I'm gonna have to get my boss."

So the boss walks in, looks at the stuff, looks at the frog, and then finally at Paddydack, and says: "Those are knick-knacks, Paddydack. Give the Frog a loan!"