This was sent to me this morning. Having been married to a Scot I can say that there more than a little truth in this!
I guess that I have now upset most of the global population because if someone isn't Scottish they have someone in their family who is and if not really, really love the Scots and hate the English. Now why is that do you think?
Bob Hope - "A bank is a place that will lend you money if you can prove that you don't need it."
10 hours ago