A dog wants a new car, so he goes to the bank.
He wants a loan, but the loan officer, Patty Mack, is unsure.
"Do you have any collateral?", she asks.
The dog gives her a hummel.
She doesn't understand, so she approaches the manager.
"Sir, there's this dog here, and he wants a loan, but all he's got is this." and shows him the Hummel. "I don't even know what it is."
The manager shakes his head. "It's a knick-knack, Patty Mack. Give the dog a loan."