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 cheque inside. I never hear from them... never receive a thank you message."
Ruby replies, "I too send my grandchildren a very generous cheque. I always hear from them within a week after they receive it. In fact, they each pay me a personal visit."
"Wow… how come?” remarked Dolly.
"I don't sign the cheque!”