She managed to catch herself, but she loses her jacket in the process

(chapter originally by Phantom Pen at writing.com)

While Fuuka's tumble down the hill was bad enough with her completely naked below the waist, that wasn't the worst part. As she rolled down the hill, the unfastened area of her zipper gradually grew in size as it caught on the ground in each rotation. Before long, the zipper had come completely undone and left Fuuka's jacket wide open and just begging to be pulled off. Unfortunately for Fuuka, her focus on stopping her descent made her blind to her jacket's compromised state.

As the end of the hill started to meet the start of the river, Fuuka finally managed to stop herself completely. Managing to wrap her legs around a small shrub on the hillside, Fuuka found herself in quite a ridiculous position: her momentum had carried her body in such a way that her head was now pointed toward the running water, while the way she had hooked her legs around the shrub left her thighs spread a bit more wide open than Fuuka would prefer to be out in public. Her hands actually resting in the running water itself, Fuuka began to realize that something was wrong as she felt her jacket sleeves begin to get pulled off her arms by the current!

Craning her head upwards to see what was happening, Fuuka was shocked as she saw her jacket pulling away from her, leaving her in nothing but her bra! With a strangled cry, Fuuka desperately clawed at her retreating jacket only to be met with air. She had realized her predicament too late, and now her jacket was gently floating down the river, further and further away from her.

Fuuka didn't know what to do at this point. Here she was, nothing on except a bra and nothing to aid her except her bag. She wasn't even at the monorail station, let alone anywhere near the dorms, and there was no way she'd be able to take any kind of public transportation now! Deciding that her first order of business was finding somewhere to hide, Fuuka carefully freed herself from the shrub that had stopped her from falling into the river and began to weigh her options.

Fuuka certainly wasn't dumb, she was confident enough to admit that much. However, her smarts could only go so far in a situation like this. Maybe, just maybe, if she found something, like a discarded newspaper or a shopping bag, she might be able to make some improvised clothing. It'd be flimsy, and it would certainly draw a lot of people's attention, but at least she'd be covered. Provided she didn't have any more unfortunate mishaps, that is. On the other hand, if Fuuka chose her hiding spots more carefully from now on, she might be able to make some real distance without losing what little she had left.

Daylight was burning, and Fuuka knew she had to make a choice. She just couldn't decide which one would be better for guaranteeing her modesty...