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 nor receive a thank you message !"
Ruby replies. "I, too, send them 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."