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 skivvies?" Olaf demands.

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

The Swede immediately reaches into his pocket and says: "For the sake of decency, here's a 50. Go and 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 panties.

"Blessed Virgin Mary, woman!" Patrick exclaims: "You've no knickers. Why not?"

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

Patrick reaches into his pocket and says: "For the sake of decency, here's a 20. Go and 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 Jaysus, Aggie! Where the frig are yer drawers?" he asks.

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 decency, here's a comb... tidy yerself up a bit."

Joke of the Day, posted everyday on getfrank.co.nz - Click to see the past weeks worth right here...