A frog goes into a bank and approaches the teller. He can see from her nameplate 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 holiday.''

Patti looks at the frog in disbelief and asks him how much he wants to borrow. The frog says $30,000. The teller asks his name and the frog says it's Kermit 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 would need to secure some collateral against the loan and asks if he has anything he can use as collateral.

The frog says ''Sure, I have this'' and produces a tiny pink elephant, about half an inch tall. Bright pink 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 grand. And he wants to use this as collateral''. She holds up the tiny pink elephant. ''I mean, what is this?''

The bank manager replies: ''It's a knick-knack Patti Whack. Give the frog a loan, his old man's a Rolling Stone''.

( Aaarrrrggggg.......thud.... )