Navi's entrance was both unexpected and somewhat awkward for Midna; after a long day spent traveling around the city followed by a messy skirmish in the fountain plaza square, she had wanted nothing more to retire somewhere private and relax.  In the process of doing so, she had removed her dirtied cloak and half-dress and placed them aside for her to wash later.  While she would have preferred someone else to do such a mundane task, she had nobody else but Zant, and the maintenance of clothing seemed a task uniquely unsuited for him.

As such, when Navi dropped through the slightly-open shutters and assumed human form, Midna was -at least in the human sense- naked.

Not quite, though.  When Navi, keen to say her piece and get the meeting over with, first spoke, Midna froze in surprise.  Instinctively, the thin, cloth-like shadows that covered her spread out to envelop her completely, turning her normal black-and-white visage into one of complete inkiness.  Only her eyes and hair retained their usual warm hues.  Beneath the shadowy folds, her pale cheeks reddened with embarrassment.  Midna recognized Ciela, though, and was slightly more at ease.  The shadows retracted to their usual positions, revealing an indignant expression on the face of the Twilight Princess.

“So much for relaxing.  I could have sworn that Hylians, like Twili, had etiquette concerning privacy.  What is it you need to talk to me about...miss?”