A frog walks into a bank...

So, a frog walks into a bank. He asks to speak with a loan consultant, and is led to an office. "I'm Patty Black," the woman frog says. "What can I do for you?" The frog says, "I want to buy a house for me and my family. My frog wife and I just had 5,000 babies and I would like to provide for them by giving them a house of their own." Patty Black replied, "Well, sir, we would love to help you buy a house for you and your 5,000 babies. But there's just one thing. What do you have as collateral?" The frog reached into his bag sheepishly, and pulled out a box. He said, "All I have to my name is this box. It's made of ivory and look at all the beautiful engravings and embedded stones! These carvings are historical in frog culture and have been crafted by the finest frog hands!" Patty Black inspected the box with a suspicious look. "I'm sorry," she said. "This is just a box. I can't accept this as collateral." "But please!" the frog said, "This is all I have! And I need a house for my wife and 5,000 children!" "Well," said Patty Black, "Let me ask my manager." The manager was summoned, and the situation was explained to him. He examined the box for a while, looked at the frog and said "It's a knick-knack Patty Black, give the frog a loan!"
Edit: missing words.