a Smart Black Man

A black man walks into a prestigious private bank in midtown manhattan and
asks for the loan officer who politely tries to direct him to a
more...Commercial establishment. The black man says he's going to europe on
business trip for two weeks and needs to borrow $5,000. The loan officer
says the bank will need some kind of security for the loan, so the black man
hands over the keys to a new rolls royce. The car is parked on the street in
front of the bank. He has all the papers including the title and everything
checks out. The bank agrees to accept the car as collateral for the loan. An
employee of the bank then proceeds to drive the rolls into the bank's
underground garage and parks it there. The news quickly spreads
throughout the bank and over lunch, the bank's president and its
officers
all enjoy a good laugh at the "ni*%er's" expense for using a $250,000 rolls
as collateral against a $5,000 loan.


Two weeks after, the black man returns, repays the $5,000 and the interest,
which comes to $20.41. The loan officer says, "sir, 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 multimillionaire. What puzzles us is, why would you
bother to borrow $5,000?" the black man replies. "where else in new
york
city can I park my car for two weeks for only $20.41 and expect it to be
there when I return?"

( a smart black man).