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The $800 Towel

A man was just stepping into the shower when his wife finished getting ready and walked out of the bathroom.
Suddenly, the doorbell rang.
She quickly wrapped herself in a towel and hurried downstairs to answer it.
Standing at the door was their neighbor, Bob.
Before she could even say hello, Bob looked at her and said,
“I’ll give you $800 if you drop that towel.”
She stared at him in disbelief.
Then she thought about it for a moment…
And finally, she let the towel fall.
Bob handed her $800, turned around, and walked away without saying another word.
She stood there, completely confused.
A few minutes later, she went back upstairs.
Her husband casually asked,
“Who was at the door?”
“Bob, our neighbor,” she replied.
Her husband smiled.
“Oh, perfect!”
She raised an eyebrow.
“Why?”
He answered,
“Did he happen to mention the $800 he owes me?”
She froze.
Then she slowly looked toward the stairs.
“Bob…”