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A young guy and girlfriend were sitting on a low stone wall, holding hands, and just gazing out over the loch.

For several minutes they sat silently, then finally the girl looked at the boy and said, "A penny for your thoughts."

"Well, uh, I was thinkin'. . . perhaps it's about time for a kiss."

The girl blushed, then leaned over and kissed him lightly on the cheek. Then he blushed. Then the two turned once again to gaze out over the loch. After a while the girl spoke again.

"Another penny for your thoughts, honey."

The young man knit his brow. "Well, now," he said, "my thoughts are a bit more serious this time."

"Really?" said the girl in a whisper, filled with anticipation.

"Don't you think it's about time you pay me that first penny?", said the guy.