Her panties

James takes a breath for a moment, looking Amy up and down before smiling. "I'll let you borrow my spare T-shirt, but you've got to give me your panties."

"What?" Amy gasps. "There is no way I'm giving you my panties you perv."

James just shrugs at her, picking up the shredded remains of her shirt. "Okay, that's fine," he tells her. "I think you can almost turn this into some kind of cover..." he mutters, turning the torn material over in his hands.

A shiver runs through Amy's body as she remembers her position, stood there in her underwear. At least her jeans would cover her if she wasn't wearing panties... wouldn't they?