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SHE HAS SEEN YOU IN A SPEEDO...NOT MUCH MORE TO BE EMBARRASSED ABOUT. Talk to the girl. You MAY want to wrap a towel around you though...as things might happen in a Banana Hammock that cannot be concealed if she gets flirty with you at swim practice.
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Cars and women are both going to give you problems...but you can pay somebody else to fix your car! 
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