You win

You lay all your power in the last couple of meters, and manage to reach the shore, your agreed upon finish line, 2 seconds before the girl.
"Uh.." the girl pulls herself at land and sits down in the sand, out of breath. "Not bad...I´ll keep my word."
While you catch your breath as well, she gets up and goes a couple of feet into the woods. She comes back holding your stuff.
Then she goes to her clothes, and hands over her panties.
"I will get them back."
"Maybe in the next competition", you smile. Then you get dressed again while the girl lets herself glide back into the water.
"I´ll stay for a bit longer."
You nod, say goodybe, and make your way out of the forest, only to realize that you still dont know her name.