"oh you don't have to!" Nancy says but she won't stop Lydia from paying at all. "But thank you."

Nancy takes her seat and looks around. time to make sure she knows where the exits are. Just in case. She didn't think there was any sort of need, but it was an old habit and they died hard.

She tries not to laugh at the question. "me? goodness, no. Couldn't afford it if I tried." She smiles warmly.