You don’t have to wait for the holidays to give a Penguin in a Scarf Visa Gift Card. These adorable creatures are good to go all winter. They thrive on the cold. Scientists have observed that penguin plumage is even colder than the air that surrounds them, which indicates the may be able to absorb heat from the frigid air by convection. This little guy just put on the scarf and hat to give the Penguin in a Scarf Visa Gift Card a more festive look.