A guy goes into a bank and says he wants to borrow $200 for six months. The loan officer asks him what collateral he has, and he says, “I have a Rolls Royce. Here are the keys — you can keep it until the loan is paid off.”

Six months later the guy comes back and pays off the $200 loan, plus $10 interest. The loan officer says, “Here are the keys. If you don’t mind my asking, why would a man who owns a Rolls Royce need to borrow $200?”

The guy says, “I had to go overseas for six months. Where else could I store a Rolls Royce for $10?”