Let's split up... Velma's clothing

"Here." Velma said, taking off her sweater. "You can wear this."

She stripped down to her bra and skirt.

"Thank you!" I said, putting on the sweater and pulling it down, trying desperately to make it cover my butt.

"That isn't quite cutting it, it is?" Velma said, staring at me below the waist. "Maybe you could see if someone else has something you could borrow."