Matt: Don't worry, dude, I have cocaine, the banana boat is coming.
but when the party is on a watercraft, and there is a distinct lack of the female species, then it becomes a banana boat.
FRED: "you would think so, but i think its getting played out. it was mostly banana boats out there..."
Unknown man: Hello Jet Ski instructor, could I purchase some banana boat INSERT WINK
Jet Ski: Okay I'll sell you some of this banana boat DOUBLE WINK
Unknown man 2: Sweet, lets get home to ride this banana boat