George

What, did you go swimmin'? It's 29 degrees out!

Kramer

I just joined the Polar Bear Club.

Jerry

You joined the *Polar Bears*?!

George

What the Hell is a 'Polar Bear'?

Kramer

Well, it's these people-- they go swimmin' in the winter. They're terrific, I just took my first swim today. Brrrrrrr! It's invigorating....