So there is this guy, kisses his wife goodbye, gets into his
BMW to drive to work in the city.  He's gone about a mile when 
he remembers he forgot to pick up his watch from the 
bedroom, so he turns the car around and drives back home.

When he walks into the bedroom, there was his wife, totally 
naked on the bed and the milkman standing, totally naked 
also, besides the bed. 

The milkman promptly went into a squatting position on the 
rug and says, "I'm glad you're here Mr Smith, because I was 
just telling your wife that if she doesn't pay the milk bill, I'm 
gonna shit all over the floor!"