Completely naked, nothing hiding her. Hands posed to hide what they can.

The girl "eeks" Kelsey stares at her the girl tucks her hands tighter Kelsey in shock says "what are you doing!" The girl responds "long story but is the towel the only thing you have on?" "Why do you want to know?" Kelsey shirked "shh keep it down don't attract anyone I want to know because I am kind of naked and if you have clothes on it would be wonderful if you helped and my house is only 2 blocks from here." "Well I do have some underwear on..."great give it to me." "WHY" Kelsey raised her voice again" "I told you to keep quiet and if you give me it I can run to my house and get us some clothes" Kelsey debating it "well I could but I would be showing my butt" "Well do you want clothes or not?!" "Okay I will give you my.."