A young Scottish lad and lass were sitting on a low wall, holding hands, gazing out over the loch. For several minutes they sat silently. Then finally Margaret looked at the boy and said, "A penny for your thoughts, Tom."

"Well, uh, I was thinking' … perhaps it's aboot time for a wee kiss."

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

Minutes passed and Margaret spoke again, "Another penny for your thoughts Tom." Well, uh, I was thinking' perhaps it's noo about time for a wee cuddle."

Margaret blushed, then leaned over and cuddled him for a few seconds. Then he blushed. Then the two turned once again to gaze out over the loch.

After a while, she again said, "Another penny for your thoughts, Tom."

"Well, uh, I was thinking' perhaps it's aboot time you let me put my hand on your leg."

Margaret blushed, then took his hand and placed it on her knee. Then he blushed. The two turned once again to gaze out over the loch before Margaret spoke again.

"Another penny for your thoughts, Tom"

Tom glanced down with a furled brow. "Well, noo," he said, "my thoughts are a wee bit more serious this time."

"Really?' said Margaret in a whisper filled with anticipation.

"Aye," said Tom, nodding.

Margaret looked away in shyness, began to blush, and bit her lip in anticipation of the ultimate request.

Then he said, "Dae ye nae think it's aboot time ye paid me the first three pennies?"