An old lady was standing at the railing of the cruise
ship holding her hat on tightly 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," s
aid 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!"