“You may each have a penny,” said Mother.

“Oh, thank you, thank you!” said Bobby and Betty.

“May I buy a chocolate cookie with my penny?” asked Bobby.

“Yes, Bobby dear,” said Mother. “The penny is yours. You may buy what you please.”

“May I buy a chocolate cookie with my penny?” asked Betty.

“Yes, Betty,” answered Mother. “It is your penny.”

“Was it mine when the baker gave it to Bobby?” asked Betty.

“No, dear,” answered Mother. “The penny was not yours.”

“Whose pennies were they when the baker gave them to Bobby?” asked Betty.

“I know,” said Bobby. “They were Mother’s pennies. That’s why we had to bring them to her.”