She has a little unwanted help

Monica stood in the school laundry room wearing her shirt, bra, panties and her sneakers and tried to weigh up her options. Spend the day like this, or spend the day wearing nothing at all? As she was she would be an oddity in both camps; the Namish would ridicule her as if she was walking around a normal school in her panties, while the nudists would be intrigued by her undergarments - just like Mr Eggerton had been - which would subject her-

"Oh stop dawdling!" Terri complained.

One of Monica's hands had been rubbing her chin in thought; her other hand was resting on her stomach, perhaps subconsciously taking comfort in the feeling of her t-shirt. Neither hand was able to move quick enough as Terri grabbed the waistband of her panties and yanked them down to her ankles. Monica stood disbelieving, frozen in place for what felt like hours to her but was, in fact, just a matter of seconds. Her hands shot down to cover her neatly trimmed pubic hair. Terri gave her a shove from behind, and Monica staggered out of her panties, now pooled on the floor. Terri scooped them up.

"Terri!" Monica exclaimed.

"Oh come on, you know it's the only option." Terri replied.

"Give them back!"

"Come get them!"

With that, Terri dashed from the room, wielding Monica's panties over her head like some kind of flag. Monica stood frozen, her hands covering her most intimate of places.

"So underwear isn't encrypted in some way?" Kevin asked, reminding Monica that she wasn't alone. "What makes them so important then?"

"Because without them I'm naked!" Monica replied harshly.

"Well, not really. You're only bottomless. On top you're still Namish."

"That's naked!"

"No, it... it's different. It's... it's hot."

Monica's eyes widened as she realised that Kevin was beginning to become... erect. Blushing, he took one of the plastic boxes down from the counter and held it in front of his crotch.

[Oh my god.] Monica thought to herself. [Is this some kind of kink to the nudists? Or is it just Kevin?]

She couldn't go outside like this, could she? Naked from the waist down, she would be completely exposed to her Namish classmates, and as for the nudists... there was no way of knowing how they'd cope with this.