A frog walks into a bank... ...and walks up to the teller, Pat E. Black. ""I'd like to take out a loan"" Pat asks the frog, ""What do you have for collateral?"" The frog reaches into his pocket and pulls out a small insignificant trinket. ""This is all I have"" Pat laughs. ""We can't take that."" The frog, furious, asks to see her supervisor. The supervisor comes out from the break room, and Pat explains the situation. ""It doesn't have any monetary value, so I denied him"" The supervisor rolls …