The latest e-mail joke sent to the Margin beneath the title A Lesson in High Finance, has a ring of truth to it:

A rumpled man walks into a bank in New York City and asks for the loan officer. He says he is going to Europe on business for two weeks and needs to borrow $5,000. The bank officer says the bank will need some kind of security for such a loan. So the man - clearly an eccentric - hands over the keys to a new Rolls Royce parked on the street in front of the bank. Everything checks out, and the bank agrees to accept the car as collateral for the loan. An employee drives the Rolls into the bank's underground garage and parks it there.

Two weeks later, the man returns, repays the $5,000 and the interest, which comes to $15.41. The loan officer says, "We are very happy to have had your business, and this transaction has worked out very nicely, but we are a little puzzled. While you were away, we checked you out and found that you are a multi-millionaire. What puzzles us is why would you bother to borrow $5,000?"

The man replies, "Where else in New York can I park my car for two weeks for 15 bucks?"