Regular

Me: But the reason Frodo even became the ringbearer is because he was so weak, he could handle the ring and not be tempted by it! Hobbit’s very strengths lie in the fact that they’re a simple people who can be trusted with power in the ways that the rich and wise couldn’t be!

Banker: So…we should give you this massive home loan…specifically because you’re out of work and don’t have good credit?

Me: Yes, exactly!