Riley covered her mouth, giggling, but she still managed to look sympathetic. "It looks pretty cold," she said, not doubting him. She didn't think she'd be getting in the water today. She was polite and kept her eyes above his waist. "Maybe we just should've gone riding." Of course, horseback riding was generally done fully-clothed. She would've missed out on shirtless Jack, and that would have been a sad thing.