A man walks into a bank and says he wants to borrow $200 for six months. The loan officer asks him what kind of collateral he has. The man says "I've got a Rolls Royce -- keep it until the loan is paid off -- here are the keys."

Six months later the man comes into the bank, pays back the $200 loan, plus $10 interest, and regains possession of the Rolls Royce.

The loan officer asks him, "Sir, if I may ask, why would a man who drives a Rolls Royce need to borrow two hundred dollars?"

The man answers, "I had to go to Europe for six months, and where else could I
store a Rolls Royce for that long for ten dollars?"