A frog walks into a bank and says "I making some renovations to my lily pad and I would like to apply for a loan."
The frog hops over to the desk with the name plate that reads Patricia Black and asks, "I'm Mr. Frog and I'd like to apply loan."
Mrs. Black says, "Well Mr. Frog, we will have to get some paperwork for you to sign, and we will need some collateral."
Mr Frog, pauses for a moment and says, "I am not sure what I can offer for collateral, will this do?" Mr. Frog reaches into his knapsack and pulls out an object that the loan manager doesn't recognize.
"I am going to need to show this to the bank manager, can you wait here?" Mrs. Black asked the frog. So she takes the object and goes to the bank manager and says "I need some help. Mr. Frog would like a loan to improve his lily pad, but when I asked him for collateral he offered me this" showing the manager the object, "but I don't know what it is. Any ideas?"
The boss looked at the object, smiled and said, "It's a knick-knack Patty Black, give the frog a loan!"