Melissa

(chapter originally by ? at writing.com)

As Isabel turns around, she discovers that the voice comes from Melissa.

Melissa: - Are you looking for this?

Melissa shows Isabel her bag with her towel, and everything to cover up.

Melissa: - If you want it, you have to take it!

Melissa escapes with her things, so Isabel has two options: she can run after her, risking that people on the beach see her naked, or she can let her take her things and search for other things to cover up her naked body