They reach it at the same time, and make the competition official

I reach the panties just in time to dive in and grab one end of them, but unfortunately, so does Mindy, as we got up we both tugged on the elastic band of the underwear, and both realized that if we fight any further that neither would get to wear them.

"Okay, let's stop for a second, no need to make any sudden moves." I said to Mindy, wanting to make sure we're both on the same page.

"Agreed, but I also need you to let go of my clothes, go get your bikini." Mindy gave a slight tug to the wet cloth, not enough to be considered combative, but it I definitely felt it.

"Can't, it's gone." I tersely replied, giving a little tug of my own.

"It's gone?"

"It's gone."

"damn," Mindy seemed a bit conflicted, she clearly didn't want to just leave me stranded, but she clearly didn't just want to hand over her clothes "Oh, okay, how about this, let's make a little wager."

"What did you have in mind?" I cocked my head.

"We see who makes the most tips, the winner gets the underwear." Mindy smirked, she probably figured she had me beat seeing how she was older than me or something.

I didn't really want to go along with her, but I didn't really have much choice, either I do this or I go without.

"And the loser just goes naked? Don't get me wrong, but I don't see what you get out of it?" I dug a little deeper, this seemed fishy.

"Well if it makes you feel any better, the loser has to do a little forfeit." Another tug from Mindy.

I could just try and convince her to go without the whole forfeit and trust Mindy, otherwise it's either go naked or play along for this.