Yo mama so fat, when she was wearing black by a bank which was getting robbed, they thought, "AHH SWAT!"
Yo Mama SWAT
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Explanation
Explain Bear
Listen up, buttercup. This joke is about your mom being so obese that when she wears black near a bank robbery, folks mistake her for the SWAT team. Get it? Because SWAT wears black and are usually big dudes. You probably still don't get it, do you?