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!""