A wealthy man left legacies to three of his friends on condition that when he was buried, they each placed £5 in his coffin.
When he died, the first of his friends, who was an Englishman, dutifully placed a £5 note in his coffin; the second friend, an Irishman, added £5 in pennies which he had saved up for the occasion.
The third friend, a Scotsman, removed all the money from the coffin and replaced it with a cheque for £15 made 'payable to bearer'.
Unfortunately for Sandy one of the bearers turned out to be a Welshman and he promptly cashed it.
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