A frog enters a bank... He walks up to the teller, an old Irishman named Sean Paddywack. The frog hops onto the desk and opens up a small satchel. Inside is a small figurine. The frog says ""I would like to take out a loan please,"" Sean looks at him and asks ""What do you have for collateral?"" The frog motions to the small figurine. ""This is it,"" The frog says. Sean is aghast. ""Mr. Frog, you cannot put up a figurine for collateral!"" The frog responds that this is all he has. The teller and frog argue for about five minutes before Sean goes to see the manager. Mr. Frog comes along, carrying the figurine. The manager sees a teller and frog in his office and asks ""What's the meaning of this?"" Sean steps up, and begins to explain ""Mr. Frog here attempted to open an account with nothing to offer but a... I don't know what it is!"" The manager asks Mr. Frog for a look at the figurine. After inspection, he turns to Sean. ""You don't know what this is?"" ""No sir, not at all"" The manager motions to the figurine, ""It's a knick-knack Paddywack! Give this frog a loan!""