In case it's not clear to some, the top left panel on page 20 where his fingers were on her thighs, ass, and in her bloomers, was only in her imagination. It's what she wanted to happen, but it didn't actually happen.
That's why the background of that panel is kind of a darker shade.
@XL
Manga is meant to showcase extremes of personalities and characters for entertainment.
Let us sit together and meditate to calm down. We are friends here. Part of the weeb community.