It is a calculated temperature based on humidity and wind in addition to the actual measured temperature. This is because we get cooled down by wind and when we sweat. But if the wind is calm and the humidity is high we do not get cooled down in the same way. So even though it is 91 degrees your body will experience it the same way as if you would in a 99 degree low humidity indoor environment where your body is allowed to sweat effectively.
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