Santa Claus, The Easter Bunny, an intelligent, honest mortgage broker/banker, and a dumb borrower are sitting at a table.

Q: Santa Claus, The Easter Bunny, an intelligent, honest mortgage broker/banker, and a dumb borrower are sitting at a table. In the middle of the table is a stack of $20 bills for the taking. Who walks away with the money?

A: The dumb borrower. There is no such thing as Santa Claus, The Easter Bunny, or an intelligent, honest mortgage broker/banker.