The intelligent one!

An Indian walks into a bank in New York City and asks for the loan officer. He tells
the loan officer that he is going to be in India on business tour for two weeks or
so and needs to borrow $5,000.

The bank officer tells him that the bank will need some form of security for the
loan. So the Indian hands over the keys and documents of new Ferrari parked on the
street in front of the bank. He produces the title and everything checks out. The
loan officer agrees to accept the car as a collateral.

The bank's president and its officers all enjoy a good laugh at the Indian for using
a $250,000 Ferrari as collateral against a loan of $5,000. An employee of the bank
then drives the Ferrari into the bank's underground garage and parks it there.

Two weeks later, Indian returns. Repays the loan of $5,000 and the interest, which
is $15.41.

The loan officer says, "Sir, we are very happy to have business done with you and
this transaction has worked out very nicely. But we are a little puzzled. While you
were away, we checked your records and found that you are a multi millionaire man in
New York city . What puzzles us is, why would you bother to borrow "$5,000"?

Indian replies with smile. "Where else in New York City can I park my car for two
weeks for $15.41 and expect it to be safe when I return'"