LETTER TO A BANK

Look what i found today in my mailbox from a friend of mine.

LETTER TO A BANK:

Dear Sirs,

In view of what seems to be happening internationally with banks at the moment, I was wondering if you could advise me. If one of my cheques is returned marked "insufficient funds," how will I know whether that refers to me or you?


Yours truly,

Ain 't it cool?