My wife Caryl and I were visiting her 95-year-old grandfather when he asked us to take him to buy a new hat. Caryl took me aside. "I'm worried that he doesn't have enough money, and he'll be very embarrassed," she said. So I asked the salesperson to tell my wife's grandfather that whichever hat he chose cost $15. I would pay the difference.

Grandpa picked out a $60 hat and was charged $15. After he left, I paid the other $45. Later he said, "What a bargain! The last one I bought there cost me $60.