As we've already seen in the previous installment of this episode, hot young man Ray is totally oblivious to the little dirty plan that Jessica intended for him. He is nervous because it looks like he's wasting his precious time on trivialities with her, but since he really needs that loan he knows he must endure everything she throws at his feet.
He doesn't know, however, that she has been watching him very carefully on the desk mirror, enjoying the sight of his hot, masculine body. If he only knew that, he wouldn't get naked so easily and nonchalantly.
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