 Maybe you're naked, or maybe you're wearing underwear or pajamas, but that's not your most serious concern. Your biggest problem is that you have to write an exam and you haven't studied. You don't even know what the subject is. But you troop into the exam room and you sit down at your desk, ignoring the stares and whispers as people notice your pajamas or nudity, and you look at the test paper, which is gibberish.