HA.. There once was this frog, and he was interested in buying a house. So he went to the bank to get a loan. The loan officer he was speaking to, who happened to be named Patti Black, told him he would need something for collateral. So, the frog went home and grabbed his favourite scuplture that he kept above his fireplace. When he brought it back to the bank, Patti Black had some trouble figuring out it's worth, so she called over the bank manager and asked him what it was. He replied to her: "It's a knick-knack Patti Black, give the frog a loan."