15 SEPTEMBER 2001, Page 63

Q. A friend came to stay recently, and each morning

appeared for breakfast wearing only a small towel. While she and I both found this suitable attire when we were university flatmates many years ago, it is rather inappropriate as we fast approach middleage. We live in the Tropics, so suggestions that she cover up to avoid catching a cold wouldn't have worked. What should we have said, Mary, not to appear prudish but to avoid seeing cleavage with our toast?

P.A., Hong Kong A. When such exhibitionism is unwelcome, it can be kindly discouraged by the use of a white lie. Whisper theatrically, 'Quickly — put something on. Lati ma!,' give notice if she comes into the room.' When asked who Tad' is, explain that she is an irreplaceable Muslim Filipina cleaner who would be offended by the display of flesh. Add, 'She's very rarely here, but unfortunately she keeps her own hours, so it means that one can never relax.'