apologetic?

"Ah! I am so sorry! I did not mean to bump into you!" said the girl embarrassed, had she not noticed what pressed against her?

"Oh, its ok! I should have looked where I was going too!" responded Riley

"It's ok! also, u-uhm this might be a weird question but... have you seen any bikini bottoms? I am not asking for any specific reason... just... making conversation" said the girl quietly, she had long blond hair and was pretty cute, Riley had never met her before.

Riley suddenly realized that this girl was in the same situation as him! and she probably was so focused on her own nudity that she did not notice his!

"Ok so this is going to sound out of nowhere but... I am missing my swim shorts; I think you are missing your bottoms too, right? you didn't exactly hide that fact very well" asked Riley

"What?? n-n-n-no! I... ok fine... yeah, I lost my bottoms, they slipped off without me noticing and by the time I realized it... I think someone walked off with them so now I'm trapped... similar situation to you?" asked the girl

"Not exactly..." Riley explained what had happened to him.

"Oh dear... do you have any idea how you're going to get out of this?" asked the girl

"Yeah, there is a towel over there at the end of the pool, I am trying to get to it without anyone noticing..."

the girls' eyes lit up "can we share the towel? it looks big enough for both of us! or... maybe that will attract attention... maybe its best if you just go and bring me back something to wear once you get the towel! it's up to you I don't really mind"