This is the first time that I actually draw panties on a girl, so forgive me if it isn't accurate. I got the idea of this after re-reading an old journal entry of mine.
Basically, it was Halloween (2009) and I was studying for my intermediate finance exam that fell on the date where I was visiting my boyfriend. It was one of the first things I did when I did after getting up. So when he got up, he said "I find it so amusing you're studying in panties". I took it and ran with it when I re-read it.
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