A young Scottish lad and a young Scottish lass are holding hands and gazing out over a beautiful Loch. After a few minutes, the girl says to the boy, "A penny for your thoughts, Angus."
"I was thinkin' ... perhaps it's time we had a wee cuddle."
Blushing, the girl leans over and cuddles him.
After a while, the girl says, "Another penny for your thoughts, Angus."
"I was thinkin' ... perhaps it's about time for a wee kiss."
She leans over and pecks him lightly on the cheek.
There's another silence before the girl speaks, "Another penny for your thoughts, Angus."
"I was thinkin' ... perhaps it's about time I put ma hand on your leg."
Shyly, she puts his hand on her knee.
At this point, she notices him very deep in thought and says, "Angus, another penny for you thoughts."
"Well now," he frowns, "Ma thoughts are much more serious this time."
"Really?" whispers the girl, biting her lip in anticipation.
"Aye," he says, "Isn't it about time you paid me the first three pennies?"