Good Fortune, Mischief, and the Money Toad

Take a dip in the river and you might chance upon a Money Toad. Solve a riddle and you may be granted a wish - anything your heart desires. Tread carefully during a full moon, for not all Money Toads are benevolent, and the moon's glimmer makes it awfully difficult to distinguish them from Mischievous Toads. I remember the tragic fate of the poor souls who mistook a Mischievous Toad for a generous one, but perhaps that's a story for another day…