One day while at her job as a bank loan officer, Patty Black, had a frog hop onto her desk and say, "I would like to apply for a lily-pad improvement loan." Patty looked incredulously at the frog and said, "I'm sorry, we don't loan money to frogs." To which the frog replied, "I have collateral," as he handed her a small ceramic trinket. Not wanting to be impolite, Patty said, "I don't know. I'll have to talk to the bank manager."

She walked back to the manager's office and said, "There is a frog out here, asking for a lily-pad improvement loan, and this trinket is all he has for collateral." The bank manager picked up the trinket and looked at it carefully. Then smiling he turned to Patty and said, "Why it's a knick-knack, Patty Black. Give the frog a loan."


The only Stephentown on earth.
I don't mind Coming to work,
but that 8hr wait to go home is a bitch.
No matter how little I do,
I always feel I could do less.
"The only thing wrong with a perfect drive to work is that you
end up at work."
NOVA VANS
1990 Dodge B150