Frog goes for a loan

A frog went to get a loan at a bank.

The loan officer's name was Ms. Patty Stack. When the frog told Ms. Stack that he wanted a loan, she asked if he had colateral.

He showed her something that, to her, looked like a marbel and said this is what I have for colateral.

She took it to the bank president and said there's a frog out there who wants a loan, and this is what he has for colateral (showing him the marbel).

She said do you know what this is, and should I give him the loan? The bank president said why, that's a nic nac, Patty Stack; give that frog a loan.