Yo mama's so stupid, she thought a quarterback was a refund.
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Explanation
Explain Bear
Listen up, buttercup. This joke is all about how dumb yo mama is. See, a quarterback is a football player, but the joke says she thinks it's a "refund," like getting your money back. It's funny 'cause it shows she doesn't know anything about football or money, which makes her seem super dense. Which, by the way, describes you too, right?