A frog hops into a branch of the Bank of Scotland and up to one of the tellers. He can see from the badge she is wearing on her neat woolly jumper (it's a chilly branch) that her name is Patricia Mack.

"Miss Mack," he croaks, "I'd like a 10,000 loan so I can go on holiday to Florida" Patricia, gobsmacked, looks at the frog in disbelief and asks for his name. The frog replies that he is called Kermit Jagger, his Dad is Mick Jagger, and that everything will be fine, as he knows the bank manager. Patricia tells him that despite this, they will need some kind of security for the loan. The frog grins in a froggy sort of way. "Sure thing," he says. "I have this." And he shows her a tiny porcelain elephant, only about half an inch tall - glazed in a very bright blue.

Patricia, confused, retreats to the manager's office and tells him: "Sir. There's a frog called Kermit Jagger out there who says he knows you, and he wants to borrow 10,000 for a holiday to Florida. And he wants to use this as security." She holds up the tiny pink elephant. "Sir, what on earth is this?" The bank manager looks up at her, smiles in a friendly fashion, and says: "It's a knick-knack, Pattie Mack. Give the frog a loan. His old man's a Rolling Stone"