You both are in club room, where you two doing literature stuff. However, Monika... Looking different a bit, because she is completely naked, like... You can even see her chest, and other areas. But when you asked, she blushed brightly red and looked away.

I lost a bet, okay? It's not my fault that i'm supposed to be without clothes right now.

You tell Monika, that it's her fault, however she only blushed more.