A frog walks into a bank, and approaches the teller. He sees the tellers name tag read Paddy Black and says
"I'd like to take out a loan, Mrs. Black"
"Certainly," says the teller, "how much would that be for?"
"One million dollars." replies the frog.
The teller is understandably taken aback by this, and asks if the frog has any collateral to cover this.
"As a matter of fact, I do!" says the frog, and he reaches into his pocket and hands over a tiny ceramic elephant.
"Wait right here" the teller says, as she storms into the back room, looking for her manager.
"There's a frog out there who wants a million dollar loan. He even gave me this as collateral," she says, holding up the elephant. "I mean, what even is this?"
The manager takes a look at the elephant and replies "It's a knick knack, Paddy Black, give the frog a loan.