Remembered the bet she made with Willow regarding the test

(chapter originally by Phantom Pen at writing.com)

Mackenzie and Willow shared a few classes in addition to their dorm room. Contemporary Literature happened to be one of those classes, and one in which both girls did very well. In fact, they both did so well that they didn't have to worry about the upcoming test's impact on their grades. So, to make things a bit more interesting, they'd made a bet with each other to encourage themselves to try harder. That was why Mackenzie had been studying so much, since the bet had been Willow's idea she somehow managed to talk Mackenzie into.

As Mackenzie opened the door to her room, Willow was already awake and on her laptop, wearing just a bra and panties. Willow had never been shy about her body, at least when Mackenzie was concerned, and since she rarely expected anybody else in the dorm room, this was often enough her state of dress, even though she knew Mackenzie was flustered by it.

"Oh, hey Mack!" Willow cheerfully greeted. "Ready for that test?"

"You know it. Just hope you're ready to put your money where your mouth is." Mackenzie quipped back as she stepped into the small alcove with a flimsy door they were supposed to call a closet.

"Don't know why you're being so modest. I'm gonna be seeing everything after you bomb this test." Willow teased as Mackenzie dropped her towel and began to get dressed.

"We'll see about that, Willow." was Mackenzie's reply.

The terms of the bet were simple enough. Whoever had a lower test score was the loser. Of course, since it was possible for both of them to get the same score, the tie condition was that they'd both have to take the loser's forfeit. As for the forfeit itself, well, that was why Mackenzie was so determined not to lose to her roommate.

Whoever scored lower on the test would have to-