Client: Chase Manhattan Writer: Hy Abady Art Director: Jean Marcellino Agency: Wells Rich Greene Photographer: Howard Breitrose It was a surprise to many consumers that a home-equity loan provided funds for anything- the bank couldn't care less what you used the money for. All they cared about was the home-equity part and the interest therein/thereof. We got a kick out of this notion by picturing an unexpected "home improvement." The kid was adorable but we had to crop the rest of her off in order for the headline to make sense.