... and approaches the teller. He can see from her name tag that her name is Patricia Whack. So he says, "Ms. Whack, I'd like to get a loan to buy a boat and go on a long vacation."

Patti stares at the talking frog in disbelief but recovers herself quickly and asks him how much he wants to borrow.

The frog says $30,000.

The teller asks for his name and the frog says that his name is Kermit Jagger, his dad is Mick Jagger, and that it's OK, he knows the bank manager.

Patti explains that $30,000 is a substantial amount of money and that he will need to secure some collateral against the loan. She asks if he has anything he can use as collateral.

The frog says, "Sure. I have this," and produces a tiny porcelain elephant, about an inch tall, bright blue and perfectly formed.

Very confused, Patti explains that she'll have to consult with the manager and disappears into a back office.

She finds the manager and says "There's a frog called Kermit Jagger out there who claims to know you and wants to borrow $30,000. He wants to use this as collateral." She holds up the tiny blue elephant. "I mean, what the heck is this?"

The bank manager looks back at her and says: "It's a knick knack, Patti Whack. Give the frog a loan. His old man's a Rolling Stone"