She refuses

"I don't think that's necessary," she replies, her voice firm but trembling slightly. "We're all adults here, and I have my underwear on."

Josh raises an eyebrow, clearly surprised by her response. "But, Julia," he protests, "everyone else has taken off their underwear. It's just a shower, and we're all friends here."

Julia stands her ground, unwilling to give in to his pressure. "I appreciate your concern, but I'd rather keep my underwear on," she states, meeting his gaze with determination.

Josh seems momentarily thrown off by her resolve, but eventually shrugs and turns away, muttering something under his breath. The other male players exchange glances, some appearing disappointed by Julia's decision, while others seem impressed by her courage.

Josh's eyes narrow, his expression becoming more calculating. "Very well, Julia," he says, stepping back from her.