How about some oil?

"How about some moisturiser?" he suggests.

"But that will get all over my top..." Steffi sulked. Of course Carl knew this, he just wanted her out of her top.

"Well why don't you take your top off?" He suggested.

"I'm not really sure Carl, I don't feel comfortable doing that right now." Carl's heart sank. "I don't think I'll be taking my top off in front of you."

Dammit!

"We'll either way you should probably take your bra off. It's getting in the way. You can leave your shirt on."

Steffi pondered on this, and knew he was right. But right now he was sat on top of her and would need to help. Either that or...

"....OK, well let me take it off then." She started to shuffle trying to dislodge Carl from her back.