Three couples meet to play a round of golf at the Old Course in St. Andrews. On the first hole, the Swede's wife steps up to the tee and, as she bends over to place her ball, a gust of wind blows her skirt up and reveals her lack of underwear.

'Good God, woman! Why aren't you wearing any skivees?' Ole demanded.

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

The Swede immediately reaches into his pocket any says, 'For the sake of decency, here's a 50. Go and buy yourself some underwear.'

Then, 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! You've no knickers. Why not?'

She replies, 'I can'na afford any on the tiny amount y'give me.'

Patrick reaches into his pocket and says, 'For the sake of decency, here's a 20. Go and buy yourself some knickers!'

Lastly, the Scot sman'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 Jaysus, Aggie! Where the frig are yer drawers?'

She too explains, 'You dinna give me enough money at be able at affarrd any.'

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