One day a frog grew tired of living on a lily pad.

He decided he wanted to get a house. So he went to the bank and asked if he could get a loan for a house. The banker said that he can have a loan if the frog can give some collateral. The frog had no idea what collateral was and asked what it is. The banker said that collateral is when you give the ...

A toad comes in for a loan...

Paddy Wack worked at a bank. Once on a busy winter morning, a toad came into the bank asking for some money.

The toad asked for a small loan, about $200. Paddy Wack asked him if he had ever taken out a loan before, and he said no.

Paddy wack said; “Mr. Toad, you have no evidence that...

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