You can't judge a book by it's cover.

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This frog goes into a bank and there is a girl seated there. The frog
jumps up on the desk looks at the name and declares "Patty Black, I want
a loan." Well patty is aghast and say she can not give the frog a loan.
She then after repeated explanations asks for collerateral. the frog
spits out a small statue. "that is it? That is all to back up a loan?'
And the frog is really persistent, so she goes to the manager who looks
things over and says "Ok, let's do it" Well Patty is flustered to no end.
"Let me get this straight? you are going to give a frog a loan backed up
by a small statue?"
The reply " But, Of course. It is a knick-knack, Patty Black, now give
the frog a loan"

Brian Berger
Manchester, NH
Brian_Berger@JUNO.COM