Don't concentrate on what is in the picture ... read the policy.  The second figure is really there to demonstrate how much of the buttocks needs to be covered.  However, if you like, it also shows that if a female character has NONE of her breasts showing .... zippo, nada ... then you can show her from the back with no top.  But, she better have a bikini bottom on, or else she is nude.

Pasties (believe it or not) count as "clothing" .... hair does not count as clothing. 

Could be worse, could be raining.