Just a coincidence.

"I just like the beach!" she said simply. You couldn't help but note that, even with your hands clamped firmly over your crotch, her eyes haven't moved from it. You also notice that she isn't covering herself at all; because she doesn't have to, dressed in a strapless black one-piece suit.

"Why aren't you naked?!" you ask, and she looks startled for a moment, looking down at herself.

"... Do you want me to be?"

"Wh-" you sputter and blush harder, only now realizing what you'd actually said, "No! It's just, this is a nude beach, isn't it?"

"It's clothing optional, so you don't have to get naked," she says, putting her hands behind her back, "you can just do it if you like to do that sort of thing. Like you!"

"I-I do not! This is just a big misunderstanding..." Zoe looks confused for a moment, before glancing around at your feet.

"Oh my gosh," Zoe said, "so did you lose your bathing suit? What about your other clothes?"

"N-no, not exactly," you start, shuffling in place. Zoe's never been one for volume control, and she, plus the way you have your bits covered is drawing some attention. "I just, um..." you trail off as your eyes fall to the ground and you realize what she'd been looking for: any other clothes you might have brought. Unfortunately, you also realize what she saw, which is to say, nothing but sand. "Oh shit!" You turn around, frantically looking for anywhere your clothes could have gone, mooning Zoe for a moment before you realize what you've done, bringing a hand back to cover your ass.

Zoe, for her part, just stands there looking confused. "So.... did you lose your stuff? Or did you just come here naked?"