She has to give him her underwear.

"I want a keepsake to remember all this by," he said. "Give me ... your underwear."

"WHAT?!"

"It would go great with that photo I took of you wearing it!" he said cheerfully.

"I can't give you my underwear!"

"Alright," he said. "Well, give me back the hoodie then."

"W-wait!" Annette bit her lip. She couldn't let him take back the hoodie now, it was the only thing she had to wear. And he had that photo of her if she tried to run off.

"...o-okay fine..." she muttered.

Darren held out his hand.

"Now?!" she blurted out. "Can't I give them to you later, after I get back home?"

"I don't want you to forget," he said. "Best get it over with right now."

Annette breathed out in frustration. She had to do it. Just get it over with.
__

She pulled her arms inside the hoodie and after some fumbling pulled out her bra. In the process she managed to accidentally hike up the hem and flash another glimpse of her panties, before she quickly pulled the hem back down, blushing.

"Here," she said, handing over the bra.

"Halfway done," he said.

"Come on," she said. "I gave you my bra. That's my underwear!"

"All your underwear," he insisted.

Annette swallowed. If she accidentally hiked up the hem again and didn't have underwear on...

"We don't have all day..." Darren said.

"Okay, okay," said Annette.

Being extremely careful to keep the hem of the hoodie down, she slowly pulled her panties down to her knees. She let them drop onto the floor and stepped out of them.

Annette was now completely naked underneath the hoodie. She tugged nervously at the hem.

"Can you hand those to me?" he said, pointing at her panties on the ground.

"I am not bending over like this!!"

Darren didn't push it and picked them up himself. While he was down there, he tried to sneak a peek up under the hoodie, but Annette was holding it tightly around herself.

"Let's go," he said. "Don't want to be late for Philosophy class!"

* * * * *

They got to the classroom. Darren took his seat.

Annette steadied herself. It was just as difficult as before to sit down wearing this, but now the stakes were even higher.

She carefully crossed her legs while still standing up, and pulled the edge of the hoodie down with her hands as far as it would go. Then she gingerly lowered herself into her seat.

"Are you okay?" asked Julie, the petite blonde girl sitting to Annette's left. "You look ... uncomfortable?"

"Everything's fine," lied Annette. Julie was her biggest rival academically. They were constantly trying to one-up each other, vying for the top-of-the-class spot. Who knows what Julie would do if she realized what a predicament Annette was in.

"That's a weird outfit for you," said Julie.

"Um, I'm ... just trying something different."

"You keep tugging at the edge of your hoodie," said Julie. "You ... you are wearing something underneath it, aren't you?"

Annette froze, the blood draining from her face. Was it that obvious?

"Are you like some weirdo exhibitionist?" said Julie.

"N-no!" hissed Annette. "Look this is all a big mistake. I was working on an ... art project ... and my clothes got ... uh ..."

"Oh," said Julie, her face softening. "Look, I have some spare clothes in my locker right down the hall. You can borrow them if you want."

"...really?" said Annette.

"I get it," Julie said. "I see how you dress. I know how shy you are about showing skin. This must be really hard on you. I have a heart you know."

"...uh, thanks."

"There's still a few minutes before class starts," said Julie. "If we hurry we can make it back in time."

Annette carefully stood up while holding down the hoodie, and only then allowed her legs to uncross. "Okay let's go."

The two girls walked out into the hallway and down to the lockers.

"This one," said Julie, opening up her locker. "Do these sweatpants work?" she asked, stepping back.

Annette took a step closer to the locker to get a better look. She didn't see any sweatpants...

Suddenly, Julie grabbed the edge of the hoodie and yanked it up, revealing Annette's bare ass. Then with the hoodie's hem held up as high as she could, Julie slammed her locker door shut on it, pinning it up in that position.

Annette stifled a scream. Her lower half was completely exposed. She scrambled to cover herself with her hands. "What the hell, Julie!!?" she hissed.

Julie grinned. "I'll be back to let you go ... after class," she said. "Now I'll be the only one with perfect attendance," she gloated as she walked back to class.

Annette's heart pounded. She tugged down at the hoodie, but it was in vain. It wouldn't go down low enough to cover anything.

She couldn't stay like this. Anyone could walk by and see her!

But ... the hoodie was lodged tight in the locker, and she didn't know the combination. The only way to leave would be to ... take off the hoodie!!