Scott Paddywack was a loan officer at First National Bank. One morning, while he was at his desk, a frog hopped into the bank and right up onto his desk. He was just about to chase it off when the frog began to speak. "I'd like to take out a personal loan," he said. Paddywack was shocked. Obviously, he'd never heard of a talking frog, let alone one that wanted to borrow money, but he tried to stay calm. "Do you have any collateral?" he asked. "Just this," said the frog, and out of nowhere he produced a Mick Jagger bobblehead. Now this was too much for Paddywack so he went to the bank manager. He showed the bank manager the bobblehead and explained the situation. After a moment, the bank manager said "It's a knick-knack, Paddywack, give the frog a loan. This old man's a Rolling Stone."