Please help me explain this joke.

It should be a beautiful woman with a leaky back coming out of the toilet and looming on the quilt (no smoking). I met a man in the lobby and she said, it's so cold. Then the man said, I'm sorry.

It should be a misunderstanding. I don't know what it is, or the woman is seducing the man, and the man refuses, or the air conditioner is turned on too much, and the woman is really cold, and the man can't help it. I'm sorry, too. What happened? I think for myself. Maybe this joke has its own meaning, but I still ask the landlord not to typo, otherwise I can't understand it.