Two old ladies Dolly and Ruby were talking about their grandchildren. Dolly said, “Each year I send each of my grandchildren a card with a generous chequeinside. I never hear from them… never receive a thank you message.

“Ruby replies, “I too send my you message. Ruby replies, “I too send my grandchildren a very generous cheque I hear from them within a week after they receive it. In fact, they each pay me a personal visit.” “Wow! How come ?”remarked Dolly. “Very simple solution… I don’t sign the cheque.