Guy At Farmer's Market Still Waiting For The Punchline

Guy: "If it gets any colder out here, I could qualify for the Olympic Ski Team. Or the Polar Bear Club."
Girl: "I'm a member of the Polar Bear Club."
Guy: "Heh heh."
Girl: "I really am."
Guy: "Heh heh."
Girl: "Really. I am."
Guy: "Heh heh."

OVERHEARD BY TIM