Isabel refuses, but stays where she is

(chapter originally by hanskumoekk at writing.com)

"NO!" Isabel said. "I won't do that, Kelly!"

Isabel stood her ground, getting angrier and angrier at these demands.

"I won't do what you ask me to do! That's insane of you! And I won't finish this contest in only my underwear!!"

Kelly had an evil smile on her face as she took in what Isabel said.

"Very well then... If you don't want to finish this in your underwear..."

Isabel grew more and more uneasy as she felt footsteps behind her, and suddenly an arm reaching over her shoulder and grabbing her bra.

"Perhaps you'll do it...topless?" Kelly said, Heather being the one with a grip on Isabel's bra over her shoulder with her left hand.

"NO!! Please don't!!" Isabel exclaimed as she put both of her own hands on each of her bra cup, gripping tightly in desperation.

"Or..." Kelly continued. Heather then grabbed Isabel's panties with her right hand on the right side, pulling the panties down slightly on the side.

"...or maybe even...naked?" Kelly finished.

Isabel gasped out loud and shot her own right hand to her panties to hold them, while her left arm shifted its grip to be draped over her bra.

"Please! Please please please, don't do this!" Isabel pleaded to Kelly, who just kept her evil smile.

"Listen, Isabel! I'm tired of your shit! When we make a deal, I expect the deal to be honored! I won't let you be a coward and run away this time! Here's what's gonna happen!" Kelly said, and brought forth a finger to show option 1."

1: You finish that damn contest with me, in your undies!

2: If you say no, Heather here will take clothing off of you! Either your top, panties or maybe even both!"

What does Isabel choose?