Robyn leaves home for University and after several weeks she turns up at home in quite a distressed state.
'Dad, you gave me some terrible financial advice,' she splutters.
'I did?' responds her father, 'What did I tell you?'
Well, you told me to put my money in that big bank, and now that big bank is in serious trouble,' explains Robyn sniffing.
'What are you talking about? That's one of the largest banks in the whole country,' he remarks, 'there must be some mistake.....'
'I don't think so,' Robyn interrupts, 'They just returned one of my cheques with a note saying, "Insufficient Funds".'