"'Penny Lane' is a bus roundabout in Liverpool and there is a barber's shop showing photographs of every head he's had the pleasure to know -- no, that's not true, they're just photos of hairstyles, but all the people who come and go/stop and say hullo. There's a bank on the corner so we made up the bit about the banker in his motor car. It's part fact, part nostalgia for a place which is a great place, blue suburban skies as we remember it, and it's still there.
"And we put in a joke or two: 'Four of fish and finger pie.' The women would never dare say that, except to themselves. Most people wouldn't hear it, but 'finger pie' is just a nice little joke for the Liverpool lads who like a bit of smut."