An old lady was standing at the railing of the cruise ship holding
 her hat on tight so that it would not blow off in the wind.
 
 A gentleman approached her and said: "Pardon me, madam. I do not
 intend to be forward, but did you know that your dress is blowing
 up in this high wind?"
 
 "Yes, I know," said the lady, "I need both hands to hold onto this
 hat."
 
 "But, madam, you must know that your privates are exposed!" said
 the gentleman in earnest.
 
 The woman looked down, then back up at the man and replied, "Sir,
 anything you see down there is 85 years old. I just bought this
 hat yesterday!"