What does EUF stand for?

We all know ENF is Embarrassed Naked Female, and I think most of us love it.

But I always thought that EUF was Embarrassed in Underwear Female. However, I've recently come across EUF being used to mean Embarrassed Undressing Female. To me, that should fall under ENF.

And a female seen or photographed wearing just her undies might be nearly as embarrassed as if she were naked, hence EUF.

So what does EUF mean to you?