A frog goes into a bank and walks up to the window. He can see from the teller’s nameplate that the teller's name is Patricia Whack. So he says, "Ms. Whack, I'd like to get a loan to buy a yacht and go on a cruise." Ms. Whack asks how much money he wants to borrow. The frog says around $55,000. Ms. Whack asks the frog his name and he replies "Kermit Jagger, it shouldn’t be a problem, I know the branch manager." Ms. Whack explains that $55,000 is a large sum of money and that he will need to put up something as collateral against the loan. She asks "do you have anything as collateral?" Kermit says, "Sure, I have this," and produces a small pewter cricket, about an inch tall. Stunned, Ms. Whack explains that she'll have to speak with the branch manager and walks into an office at the front of the bank. She finds the branch manager and says: "There's a frog by the named of Kermit Jagger out there who says he knows you and wants to borrow $55,000. He wants to use this as collateral." She holds up the small pewter cricket. "Like, what is this thing suppose to be?" So the branch manager looks back at her and says: