Two little old ladies, Dolly and Ruby, were talking about their grandchildren, and holiday gift-giving.
Dolly said, "Each year I send each of my grandchildren a card with a generous check inside. I never hear from them. Never receive even a Thank You message."
Ruby replied, "I also send my grandchildren a very generous check. I hear from each of them within a week after they receive it. In fact, they each pay me a personal visit."
"Wow!" remarked Dolly. "How come?"
"Very simple," said Ruby. "I don't sign the check."
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Dave