Take no chances, and go naked

Lucy locked her gaze with Kate. She searched for any sign of the brunette's bluff.

What could possibly be worse about wearing Kate's clothes? There has to be something Lucy missed again. She rubbed her thighs together while she debated it endlessly.

Kate broke Lucy's train of thought, "I'm not gonna wait all day over here." She pulled up her crop top to reveal her perked-up chest. "As soon as I get naked, I'm running with or without you."

The taller girl had already started pulling her shorts down when Lucy frantically tried to answer, "I uhhh, um... I want to wear... n-no, I don't..."

The naked Asian girl couldn't decide before Kate's lace panties slid off her feet, "Last one up is a rotten egg!"

Lucy realized that Kate was genuinely going to leave without her if she did nothing when Kate flung her door open. In the spur of the moment, her irrational brain found the door handle, and she found herself in the rain.

Her feet carried her through the water after her friend. The rain reached new parts of her exposed body.

Soon, the two streakers were thumping up the stairs. The Asian girl was right on her friend's ass the whole way.

When the brunette reached the top, she cheered, "Woo, yeah!" She pointed at Lucy, "You are a rotten egg."

"Shhh, be quiet," Lucy urged, "Someone could hear."

"Why? Worried they'll come to check out the two naked streakers?" Kate taunted.

Lucy blushed harder and decided to enter her apartment to end all this. She reached for her keys...

Keys?

Lucy looked down in horror at her bare hips. Her keys were still in the diner basement. That was why she needed a ride in the first place.

The Asian girl stood in shock until her brunette friend returned to reality with a slap to her exposed rear.

"Come on," she prodded. "Let's go in."

"B-but we can't," Lucy muttered.

"Sure we can," Kate pushed past Lucy to open the door. It flew open.

A number of Lucy's friends stood around the small apartment, talking and putting up decorations. They each went silent when they turned to see Kate entering in her birthday suit.

Cassy looked especially disturbed. "Shit," she muttered under her breath.

"Guess this means I get your dre~ess," Kate teased.

Cassy regretted ever making that bet. She never thought Kate would actually show up in the buff with her whole inferiority complex about her chest. It's a good thing that Cassy only bet her underwear on Lucy. She was way too restrained to do something like this.

Kate scarcely tried to hide herself when she reached back and pulled the stunned Asian streaker inside. "And I brought a little friend."

"Oh fuck," Cassy commented, much louder this time.

The shock and confusion of what was happening left her paralyzed for a moment. She watched a beet-red Cassy strip off her clothes and hand them to Kate. The brunette then proceeded to pull the frilly panties up her legs, ditch the far too big bra, and slip on the dress that barely covered the tall girl's ass.

It never mattered which of them won in the car. As long as someone came up here naked, Kate would've won.

Kate had played Lucy like a fiddle in a symphony of exposure.