Dolly and Ruby were talking about their grandchildren.
Dolly said, “Every year I send each of my grandchildren a Christmas card with a generous cheque inside, and I never hear back from them; not a thank you note, not even a phone call.”
Ruby replies, “I do the same thing, I send Christmas cards to all my grandchildren with cheques inside, and within a week of sending them I hear back from every one of them; in fact they all pay me a personal visit.”
“Wow! How Come?” asked Dolly.
“Very simple…. I don’t sign the cheque.”