Her flatmate, Amy

It was her flatmate, Amy. Normally Amy was very good about respecting Valerie's privacy --- was she somehow behind her disappearing clothes, too?

"Morning Valerie!" Amy said with a cheerful smile, her eyes darting briefly down at Val's breasts.

Valerie and Amy had changed with each other at the pool before, so it was not as though Valerie was appalled to be seen naked by her flatmate. But Amy was fully dressed, and had barged into Valerie's room with no notice while Val was naked, and didn't seem at all phased by it. Valerie was flushed with embarrassment.

"Amy," Valerie said, still uncertain about how to go about covering her body. "Um, I'm naked here, can you come back in a moment?"

Amy laughed. "Good one, Valerie! I can't believe how quick you can be sometimes with the banter."

Valerie didn't know how to respond to that, and was starting to become very suspicious. "Um, no, really. Hey, you wouldn't know anything about my missing clothes, do you?"

Amy laughed. "That's hilarious, Valerie!" She stepped into the room, oblivious to Valerie's flustered state. "You, wearing clothes," she chuckled, regarding Valerie. "You know, I never understood why, but I can't even imagine it, you know? It's like you're like the world's perfect nudist," she said, reaching out and lightly flicking Valerie's right nipple. "Like it's impossible for you to not be naked."

THAT got Valerie's attention, in a big way. Well, that and the nipple flick. Valerie's eyes went wide open, and she suddenly became very conscious of her crotch.

"So anyway, Val, I just came to let you know..."