I saw this sign the other day and immediately realized that something was horribly, horribly wrong with our world:

Who would need to borrow a penguin? And what would you use for collateral?
Most importantly…what would the bust of the penguin loan market look like?
Like this:
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hahahaha!
i guess they could guide you through the arctic circle or something. collateral could be an igloo or your dogsled. and the penguin loan market bust is only rectified by a gain on polar bears.