A businessman walks into a bank in a city centre and asks for a $100 loan. He offers his luxury car as collateral. The collateral is too good, and the bank manager approves the loan.

A year later, the businessman comes back. He repays the loan and the 10% interest and is ready to collect his car. Finally, the puzzled bank manager dares to ask him: "Excuse me, sir, could you tell me: did you really need that $100 so badly? In order to get the money, you left your luxury car with us for a whole year!"

The businessman replied, "That's simple – just think outside the box: where else in the city centre can I find such a great parking place for just $10 a year?"