It all went down on KCRW -- when host Kim Masters tried to ask Hilary if she's finding "fewer good roles" as she gets older. Hilary explained that aging women can still find quality work in Hollywood -- and used Meryl Streep as an example.
That's when Masters quipped, "But she's the exception ... she's not like the pretty girl ... and you're not either."
Swank jokingly replied, "Hey what are you trying to say?" ... before saying she "completely" understood Kim's point.
So, we gotta ask ...