Steve realizes he's being addressed; the voice must be coming from the woman he spotted down the block as he stepped out of the Inn. He turns, taking off his helmet and tucking it under his arm (there's a lady present, keeping it on would be rude).

"Ma'am? Oh. You mean--" he turns again, trying to look at the shield over his shoulder, and he winds up turning completely around, one full revolution. The effect is rather like a kitten who's just discovered he has a tail.

"That's-- yes, ma'am. It's a shield. Comes in handy sometimes."