[Margaret Pilkington]

Dolly and Ruby, two old ladies were sat having a coffee and discussing their grandchildren.
Ruby tells Dolly that every year she sends her grandchildren a lovely card for their birthday....and puts a generous cheque in with the card.
She tells Dolly that she never receives any thanks for her gift...in fact she rarely hears anything from them.

Dolly tells her friend that she does exactly the same thing but always gets a phone call a couple of days after they get the card.
Ruby is amazed and asks 'How come'?
Dolly tells her that she always 'forgets' to sign the cheque.