"You Gotta Love Tennessee Women." joke

The owner of a golf course in Knoxville, Tennessee was confused about paying an invoice minus his early payment discount, so he decided to ask his secretary for some mathematical help.
He called her into his office and said, "You graduated from the University of Tennessee and I need some help. If I were to give you $20,000, minus 14%, how much would you take off?"
The secretary thought a moment, then replied, "Everything but my earrings."

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