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".