After about twenty minutes of shooting and chatting, I tentatively asked if she was ready to show more skin, and she quickly flung off her top and said, "Hell ya!"
At first I wasn't sure what to do, so I had her move to the edge of the bed and face the hot light. She didn't look nervous so much as unsure of how to pose, though I kept assuring her that there was no "pose" required. "Just be yourself, I kept telling her, and she finally relaxed and continued to talk about her family and life.