Mom asks Little Johnny to call Dad.
A little while later Mom asks little Johnny: “Did you call your dad?”
“Yes, but every time a woman answers.”
“What? wait until that man walks thru the door!”
An hour later, the Dad walks in and Johnny’s mom is ready with an iron pan and proceeds to give him a real good beating.
“That’s what you get for cheating! you were with a woman all day! Johnny, tell him what you heard!”
Little Johnny says: “The woman said: You have insufficient funds to make this call…”