A frog walks into a bank, goes up to the teller, Ms Patty Black, and says, 'I'd like a loan.' Patty Black replies, 'Do you have any collateral?' The frog says, 'Yes, I have a pink ceramic elephant.' Patty Black goes to the manager's office and says, 'Sir, there's a frog out there who wants a loan. He has a pink ceramic elephant for collateral. What should I do?' The manager says, 'It's a knick–knack, Patty Black, but give the frog a loan.'