A group of thrifters (money lenders) who are given loans at a fixed 3% rate, dole out loans with a 6% interest rate, and arrive for golf at three in the afternoon--hence 3-6-3.

Anatidaephobia is defined as a pervasive, irrational fear that one is being watched by a duck. The anatidaephobic individual fears that no matter where they are or what they are doing, a duck watches.

Anatidaephobia is derived from the Greek word "anatidae", meaning ducks, geese or swans and "phobos" meaning fear.