Answer:
I have a hundred legs, but cannot stand. I have a long neck, but no head. I cannot see. I'm neat and tidy as can be.
What must be in the oven yet can not be baked? Grows in the heat yet shuns the light of day? What sinks in water but rises with air? Looks like skin but is fine as hair?
What does man love more than life, fear more than death or mortal strife. What the poor have, the rich require, and what contented men desire. What the miser spends, and the spendthrift saves. And all men carry to their graves.
What has a head, a tail, is brown, and has no legs?
Slayer of regrets, old and new, sought by many, found by few.
Almost everyone needs it, asks for it, gives it. But almost nobody takes it.