Angus, a young Scottish lad, and Irene sat on a stone wall, holding hands, gazing out over the loch.
"A penny for your thoughts, Angus?"
"Well," he said. "I was thinkin', perhaps it's aboot time for a small kiss."
Irene blushed, then leaned over and kissed him lightly on the cheek.
The two turned to gaze out over the loch. Minutes passed before Irene asked. "Another penny for your thoughts, Angus."
"Well, uh, I was thinkin' that perhaps it's now about time for a little cuddle."
Irene blushed, then leaned over and cuddled with him for a few seconds.
Then the two turned once again to gaze out over the loch. After a while, she again said, "Another penny for your thoughts, Angus."
"Well, uh,” Angus stammered. “I was thinkin' perhaps it's about time you let me put my hand on your leg."
Irene blushed, then took his hand and put it on her knee.
Once again their gaze returned to the lock before Irene spoke. "One more penny for your thoughts, Angus."
"Well," he said, "my thoughts are a wee bit more serious this time."
"Really?" she replied with whisper filled with anticipation. "Well, what are you thinking?"
Angus mustered up his courage, looked her in the eye and said. "Don't you think it's aboot time that you paid me the first three pennies?"