Before going to Europe on business, a Chinese man drives his Rolls-Royce to a downtown New York City bank and asks for an immediate loan of $5,000. The loan officer, taken aback, requests collateral.

"Well then, here are the keys to my Rolls-Royce," the Chinese man says.

The loan officer promptly has the car driven into the bank's underground parking for safe keeping and gives the man the $5,000.

Two weeks later, the Chinese man walks through the bank's doors and asks to settle up his loan and get his car back.

"That will be $5,000 in principal, and $15.40 in interest," the loan officer says.

The Chinese man writes out a check and starts to walk away.

"Wait, sir," the loan officer says. "You are a millionaire. Why in the world would you need to borrow $5,000?"

The Chinese man smiles, "Where else could I find a safer place to park my Rolls-Royce in Manhattan for two weeks and pay only $15.40?"