ni = natural insulation
someone who has a few extra 100 pounds on their body is sed to have the "ni factor"
when it's cold outside
Skinny dude: I am cold...i wish i was fat like that guy, then i would have the ni factor...
Fat dude: I am warm...i have the ni factor!!
Idiot dude: What is the ni factor???
Fat dude: Natural Insulation...