[m3m750]

After 45 years on the job Fred is retiring. He and his wife, Alice, are looking forward to enjoying the fruits of all those years of hard work. Money is a little tight rigt now since they just bought a retirment home on the shores of a canal a little ways off the main river. Fred's first pension check arrives and they need to decide what to buy. Alice really needs a hearing aid, and Fred wants to buy a fishing boat so they can take advantage of living on the water. They talk it over and Alice tells Fred to go ahead and get the boat since he's the one that worked all those years to earn a pension and she can wait another month for her hearing aid.

Fred goes out and buys the new boat and the next morning he and Alice take it out for a cruise. They head up the canal and when they get to the main river they need to decide which way to go. Fred feeling pretty generous since Alice let him get his boat, so he asks her which way she wants to go, up or down. Alice looks at him kind of funny, says nothing, but strips, lays down in the bottom of the boat and spreads her legs. Fred thinks this is a bit odd, but not one to pass up such an opportunity, he drops his pants and climbs on top.

A few days later, Fred and Alice take the boat out. Fred, in an even better mood after their recent escapade again asks his wife which way, up or down. The same thing happens, Alice gets naked and they go at it like a couple of college kids from a small midwestern college.

For the rest of the month, every time they take the boat onto the river, the same thing happens. Finally, Fred's 2nd pension check arrives and they go out and get Alice her hearing aid. The next day they head out to the river and when they get to the junction Fred looks over to his wife, smiles and asks, "honey, which way, up or down?" to which Alice responds, "Up or down... UP OR DOWN!!! all this time I thought your were saying **** or drown!"