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 check inside. I never hear from them… never receive a thank you message.”

Ruby replies, “I too send my grandchildren a very generous check. 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 check!”