You reassure Carmen

You kiss Carmen long and slowly, and reassure her that everything will be just fine.
She looks at you puzzled, but kisses you back, relaxing in your embrace.

As you stand up and begin to undo your jeans, Carmen sits up suddenly and
realizes what it is you are up to.

"Wait ... wait." Carmen whispers. "This is all going much too fast. Much faster than
I had wanted to. Can't we just ... talk?"

...

The mood having been killed, the two of you discuss what it is you two want as a
couple. The two of you aren't able to come to a consensus and as a result, Carmen
decides to dump you shortly thereafter.

You never get a chance into her panties, again.