Susan attended a seminar one day this week instead of going to work.

Before she left, the husband handed Susan a modest number of bills for lunch money which she combined with what she had in her purse. She counted it then walked directly into the kitchen and made a peanut butter and jelly sandwich.

Susan arrived at the seminar, eyeballed the complimentary breakfast bar, signed in then made the acquaintance of those sitting nearest to her; Raul, Kim and Virginia.
During the first break she went into the hall to get herself a cup of coffee and maybe something to eat. She picked up a plate, considered her choices and was poised over a muffin with the tongs when a uniformed gentleman stopped her. This was not Susan's food, it belonged to the other conference room. Holding her head a little higher than usual she returned to her seat and ate the peanut butter and jelly sandwich.

The lunchbreak came, Susan packed up her belongings and was headed toward her car when Raul, Kim and Virginia invited her to join them in the hotel's cafe. Susan was charmed by their offer and impulsively accepted knowing that she didn't have enough cash for a proper lunch.
What the hell, she had more than enough for coffee.

Susan read the menu in reverse, searching for the lowest number then following along until her lunch choice was revealed; Soup Du Jour for $5.
Alright! Susan would have minestrone soup with her coffee.
A mature twist to the liquid lunch.

The four acquaintances had a friendly lunch with plenty of interesting conversation. The bill came, Susan pulled out her bankroll and Kim started figuring out how much each person owed by dividing the bill into quarters.
Susan couldn't do a quarter of the bill, she could do exactly what she ordered + $2.75 for a tip.
Um, I have ten dollars.
Kim accepted Susan's money and recalculated the bill. Everyone was very nice and Susan spent the rest of the afternoon filling up with gas from her minestrone.