[ He blinks once, the picture of perfectly befuddled innocence and murmurs: ]

I really--

I'm hardly an expert on ladies' fashion. I can't tell one frock from another, I assure you. So don't be silly. You'll catch your death if you stand about in wet clothes.

[ He bows, offering her the towels, holding them formally with both hands as if making a presentation. ]

Let's trade - nice dry towels for your coat, what do you say?