The joke goes as follows: At Toronto's posh Royal York Hotel, a very rich-looking lady - fur coat, jewels, etc. etc. - steps out of a Rolls-Royce as her chauffeur holds the door for her. (To show you how old this joke is) A bum near the hotel entrance asks her if she can possibly spare him a dime for a cup of coffee. The lady disdainfully wrinkles her nose at this smelly creature, puts her nose into the air and replies: - "Neither a borrower nor a lender be." William Shakespeare To which the bum responds: - "Fuck off!" Henry Miller