Let's try that one again...
A frog hops into a bank, and asks to see someone about applying for a loan.
"Oh, Mr Paddywack will be glad to help you," says the teller, looking down at the frog rather dubiously. "Just have a seat at that desk over there, and he'll be right with you."
So the frog sits down. Presently, the loan officer comes over. "Good day, sir, how may I help you?" he says, raising an eyebrow.
"I need a loan," says the frog, "I want to do some renovations on my Lilly pond."
"Well..." says Mr Paddywack, "we are not in the practice of approving loans for amphibians..." he says condescendingly, looking over the rims of his horn-rimmed glasses.
"But why not?" exclaims the frog, "I've got an excellent credit record! I've never been late on my visa payment!"
The loan officer sighs. "Sir, I'm afraid we would need some type of collateral, and I'm-"
"But I've got it!" exclaims the frog. "I've got an extensive collection of hummels I can use as collateral-"
"I'm sorry," cuts in the loan officer, "but I don't think we'll be able to help you," he begins, but just then his supervisor comes up behind the desk.
"What seems to be the problem?" he says to the loan officer.
"Uh, um, Sir, this frog - erm gentleman, wanted to obtain a loan," says the loan officer, "but I've been trying to tell him that we can't-"
"I've got a hummel as collateral!" the frog breaks in.
"What in the world is a hummel???" says the loan officer condescendingly.
The supervisor looks exasperated. "It's a nick-knack, Paddywack! Give the frog a loan!"