Whether is relative. In Minneapolis it isn't cold, until it's very cold (if then), while I know folks in southern California that complain if it's 65 and cloudy.
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An ounce of diagnosis is worth a pound of cure.
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“One accurate measurement is worth a thousand expert opinions” - Adm Grace Murray Hopper - USN
WARNING, I'm from New York. Thin skinned people should maintain safe distance.