She loses both

(chapter originally by ? at writing.com)

However, just as she got within arm's reach of the cat it jumped down into the old woman's arms. The old woman started walking away without even giving Isabel a second glance. Isabel, distracted by the old woman and a bit annoyed since he worked hard at getting up the tree, did not notice that both her shorts and sports bra were caught on the tree's rough branches. She hopped down from the tree, being close enough not to hurt herself. However, as she did so there was a big tear and suddenly she was standing naked in the middle of the park. So she decided in the spur of the moment to...