TWO ELDERLY COUPLES WERE ENJOYING FRIENDLY CONVERSATION WHEN ONE OF THE MEN ASKED THE OTHER FRED HOW WAS THE MEMORY CLINIC YOU WENT TO LAST MONTH OUTSTANDING FRED REPLIED THEY TAUGHT US ALL THE LATEST PSYCHOLOGICAL TECHNIQUES VISUALIZATION ASSOCIATION IT HAS MADE A BIG DIFFERENCE FOR ME THAT IS GREAT WHAT WAS THE NAME OF THAT CLINIC FRED WENT BLANK HE THOUGHT AND THOUGHT BUT COULD NOT REMEMBER THEN A SMILE BROKE ACROSS HIS FACE AND HE ASKED WHAT DO YOU CALL THAT FLOWER WITH THE LONG STEM AND THORNS YOU MEAN A ROSE YES THAT IS IT THEN HE TURNED TO HIS WIFE AND ASKED ROSE WHAT WAS THE NAME OF THAT CLINIC A FAMOUS SCIENTIST WAS ON HIS WAY TO A LECTURE IN YET ANOTHER UNIVERSITY WHEN HIS CHAUFFEUR OFFERED AN IDEA HEY BOSS I HAVE HEARD YOUR SPEECH SO MANY TIMES I BET I COULD DELIVER IT AND GIVE YOU THE NIGHT OFF SOUNDS GREAT THE SCIENTIST SAID WHEN THEY GOT TO THE AUDITORIUM THE SCIENTIST PUT ON THE CHAUFFEURS HAT AND SETTLED INTO THE BACK ROW THE CHAUFFEUR WALKED TO THE LECTERN AND DELIVERED THE SPEECH AFTERWARD HE ASKED IF THERE WERE ANY QUESTIONS YES SAID ONE PROFESSOR THEN HE LAUNCHED INTO A HIGHLY TECHNICAL QUESTION THE CHAUFFEUR WAS PANIC STRICKEN FOR A MOMENT BUT QUICKLY RECOVERED THAT IS AN EASY ONE HE REPLIED IN FACT IT IS SO EASY I AM GOING TO LET MY CHAUFFEUR ANSWER IT A BUSINESSMAN WALKED INTO A BANK IN SAN FRANCISCO AND ASKED FOR THE LOAN OFFICER HE TOLD THE OFFICER THAT HE IS GOING TO EUROPE ON BUSINESS FOR TWO WEEKS AND NEEDED TO BORROW FIVE THOUSAND DOLLARS THE BANK OFFICER EXPLAINED THAT THE BANK NEEDED SOME KIND OF SECURITY FOR SUCH A LOAN SO THE BUSINESSMAN HANDED OVER THE KEYS TO A ROLLS ROYCE PARKED ON THE STREET IN FRONT OF THE BANK EVERYTHING CHECKED OUT AND THE BANK AGREED TO ACCEPT THE CAR AS COLLATERAL FOR THE LOAN A BANK EMPLOYEE DROVE THE ROLLS INTO THE BANKS UNDERGROUND GARAGE AND PARKED IT THERE TWO WEEKS LATER THE BUSINESSMAN RETURNED REPAID THE FIVE THOUSAND DOLLARS WITH INTEREST WHICH CAME TO FIFTEEN DOLLARS THE LOAN OFFICER SAID 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 FIVE THOUSAND DOLLARS THE BUSINESSMAN REPLIED WHERE ELSE IN SAN FRANCISCO CAN I PARK MY CAR FOR TWO WEEKS FOR ONLY FIFTEEN BUCKS