Cover your bottom half.
From Create Your Own Story
"Can I have your bottoms?" you murmur.
Jenna grins saucily. "Well, that makes things more interesting for me, at least."
Her arms reach under the water, and she lowers her shoulders so that her face is barely above the water. You see her shoulders rolling ever so slightly before she straightens up. She holds her hand out to you underneath the water. Distorted by the gentle waves you can see a dark blue bundle curled up in her fist. You take the offered gift eagerly, reach under the water and slide your legs into the bikini bottoms. You breath a sigh of relief.
"Okay then." Jenna says. She reaches up and fixes her hair; knowing that she's not wearing anything but a bikini top suddenly makes the pose look sexy and seductive. Despite yourself, you find yourself blushing... and just the tiniest bit aroused. Jenna winks. "Do you mind if I get out first?"
"By all means." you blurt, eager to put your pool exit off for as long as possible.
Covering your breasts with your hands, you watch as Jenna casually walks/hops over to the pool ladder nearest to Becky. Without even attempting to cover up she casually climbs out of the pool and stands at the poolside fixing her hair again. Everybody nearby is gawping at her in open-mouthed shock.
"Jenna, you're naked too!" Becky calls out.
Making it seem the most natural thing in the world, Jenna looks down at herself - and then presses her hands to her cheeks and lets out a scream.
"My bottoms!" she shrieks.
She doesn't really cover herself, you notice, as she quickly skips over to Becky and snatches up another towel. She wraps this around her lower half like a skirt. One of the waterpark staff make their way over to her and says something quietly.
"It's your stupid pool filter!" Jenna screams, loud enough for everyone to hear. "It's not my fault!"
The waterpark staff grimaces, and his body language and gestures both look very apologetic to you.
"No, no! We're leaving!" Jenna shouts. "Stuff your apologies. Come on Becky!"
As the two leave, Jenna looks towards you and gives a discrete little wink. You realise that she's just given you a perfectly good reason for exiting the pool topless, one that everyone nearby has now heard.
So now the question is... what are you going to do next?