"Wool"

The Englishman's wife steps up to the tee. As she bends
over to place her ball, a gust of wind blows her skirt up
and reveals a lack of underwear. "Good Lord woman!
Why aren't you wearing any bloomers?" her husband
demanded.

"Well, you don't give me enough housekeeping money
to afford any."

The Englishman immediately reaches into his pocket
and says, "For the sake of decency, here's 20. Go buy
yourself some underwear."

Next, the Irishman's wife bends over to set her ball on
the tee. Her skirt also blows up to show that she too
is wearing no undies. "Blessed Virgin Mary, woman!
Ye've no knickers. Why not?"

She replies, "I can't afford any on the money you give
me."

He reaches into his pocket and say, "For the sake of
decency, here is 10. Go buy yourself some underwear!"

Lastly the Scotsman's wife bends over. The wind also
takes her skirt over her head to reveal that she, too,
is naked under it. "Sweet mudder of Jesus, Aggie! Where
are yer drawers?"

She too explains, "You dinna give me enough money ta
be able ta affarrd any."

The Scotsman reaches into his pocket and says "Well, fer
the love 'o Jesus, here's a comb. Tidy yerself up a bit."