There once was a snail that grew tired of being teased for being slow, so he decided to buy a fast car. He saw a car dealership across the road one day and saw just what he wanted. When he got there the next day he discovered that he would need a loan, so he set off for the bank across the street. Two days later he got to the bank and went up to a teller to ask for a loan. The teller referred him to the loan department and Patty Wack, the loan officer? began the approval process for the loan.
Why do you want a loan? -- I want to buy a car.
How much is this car? -- $50,000.
That is an expensive car. Why is it so expensive? -- It's a cherry red mustang with a 575 engine and a giant golden S painted on the hood.
That is a lot of car. Why do you want that car in particular? -- I'm a snail and I'm tired of everybody teasing me about being slow. When I get this car I want people to look at me zooming past and say, "Look at that S car go!"

Later that month a frog came into the same bank and also saw Patty Wack for a loan. Patty told the frog that he would need to offer something of value as collateral to secure the loan and asked if he had any collateral. The frog said he had collateral but would have to go home and get it.
When the frog came back he handed Patty a brass ornament as collateral for his loan.
"But I don't even know what this is!" Patty replied. The frog told her it is his most precious item; it had great value to him and he wanted to use it as collateral for his loan.
After going around a while with Patty wanting better collateral and the frog insisting that this was his best collateral and should be enough, Patty took the matter to the bank manager. After laying out the entire story Patty took the brass piece out of her pocket and said, "To top it all off this is what he is offering as collateral! I don't even know what it is!"
The bank manager responded: "It's a knickknack Patty Wack, give the frog a loan."