My computer died, so I drew it on my laptop, the colours are probably off. Also on my laptop there's only SAI and it doesn't have a text tool, I hope you can read my ugly handwriting D: I tried to make panels 1 and 6 look like in the anime. xD
The girl is naked because she spends most of her time in the form of a cat; switching from cat-to-human and back means any clothes you have would fall off. Also, since she's a cat, she lacks human modesty.