Penny for your thoughts?

Teenagers Saul & Rachel were sat on a park bench watching the sun going down over Tel Aviv.

Rachel said "Penny for your thoughts?"

Saul said "I was thinking, we've been stepping out together for 3 weeks but I haven't had a kiss from you yet." Rachel obliged by planting a kiss gently on his cheek.

They sat for a while and Rachel said again "Penny for your thoughts?"

Saul replied "I was just thinking, it would be nice to have a cuddle." Rachel responded by embracing him and Saul lay his head on her shoulder.

A few minutes elapse then Rachel says once more "Penny for your thoughts?"

Saul replied "I'm thinking, we've been stepping our for 3 weeks, I'd like to feel your hand on my leg." Rachel responds by laying her palm on his thigh and leaves it tantalisingly near his crotch.

After a few minutes Rachel looks at him amorously and again asks "Penny for your thoughts?"

Saul replies "Rachel, I was just wondering

Spoiler:

when I'm going to get the three pennies you already owe me?"