and asks for a loan. The loan officer, Miss Patty Wack, asks for collatoral. The frog says he has some hummels, but Miss Wack doesn't know what hummels are. She goes back to see her boss who's on the way out the door. "What is a hummel?", she asks. "It's a knick knack, Patty Wack. Give the frog a loan. This old man is going home."