He agrees

"Um... okay... sure..." James says slowly, a little uncertain for a moment, but then eventually tugs off his T-shirt, pulling it up over his head and holding it out for her.

Karen smiles, snatching the T-shirt rapidly out of his hands, and James watches for a moment as she struggles to fit it on over her head, suddenly rather self conscious that he's now completely naked from the ankles up in front of this random stranger.

Karen gets the T-shirt on, struggling to fit it over her still wet breasts, but eventually managing to get it in place. Not designed to accommodate a bosom, the shirt rides up quite a way, not even covering her belly button, her panties still in full display but at least she's one step closer to being dressed again.