An old lady was standing on deck at the railing of a cruise ship holding her hat on tightly so that it

wouldn't blow off in the wind and end up overboard.

A gentleman approached 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" replied the lady, "but I need both my hands to hold onto this hat."

" But madam, you are not wearing anything under your dress and your private parts are widely exposed!"

replied the man earnestly.

The woman looked down, then back up at the man and answered.....

" Sir, anything you see down there is 85-years-old, but I just bought this expensive hat yesterday!"