Your momma's so fat, when she pulls her knickers down, her ass is still in 'em!
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Explanation
Explain Bear
Listen up, buttercup. This here joke is about how someone's momma is so fat that even when she takes her underwear off, her butt is still inside 'em. It's like, she's so huge that her butt has its own zip code! I bet you didn't even know what knickers were. Ha!