A young Scottish lad and lass were sitting on a low stone wall, holding hands, gazing out over the Loch and for several minutes they sat silently, then finally the girl looked at the boy and said, "A penny for your thoughts, Conor." "Well, uh, I was thinkin' ... perhaps it's about time for a wee kiss." The girl blushed, then leaned over and kissed him lightly on the cheek. Then he blushed. The two turned once again to gaze out over the loch. Minutes passed, then the girl spoke again. "Another penny for your thoughts, Conor." "Well, uh I was thinkin' ... perhaps its noo aboot time for a wee cuddle." The girl 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, Conor." "Well, uh I was thinkin' ... perhaps its aboot time you let me put ma hand on yer leg." The girl blushed, then took his hand and put it on her knee. Then he blushed. Then the two turned once again to gaze out over the loch before the girl spoke again. "Another penny for your thoughts, Conor." The young man glanced down with a furled brow. "Well, noo," he said, "My thoughts are a wee bit more serious this time." "Really?" said the girl in a whisper, filled with anticipation. "Aye," said the lad, nodding.  The girl looked away in shyness, began to blush, and bit her lip in anticipation of the ultimate request. And he said, "Do ye think it's about time ye paid me the first three pennies?"