"Sorry, Carl! That's incorrect. I'm afraid that means you lose today's match of Quiz Bowl!" An exuberant announcer chimed as the audience soon followed with screams and cheers.
A chubby man with black hair let out a cry of panic. "N-- NOOO!" He wailed as his body began to shift and contort. "I-- I don't want to change into a-- a-- mmmooooo!" He moaned, his voice heightening in pitch. His pecs softened, expanding into a set of tits that tore the buttons off his shirt. Simultaneously, his ass and hips ballooned outward, causing his jeans to rip clean off.
"You're going to make a lovely cow-woman, Carla! Best of all, your debt will be erased despite losing! Can we get a round of applause for Carla, folks?" The announcer insisted, turning toward the crowd.
Everyone cheered and whistled, offering their support.
"N-- NOOOOO!" Carl groaned as pale brown fur appeared in clumps and spread over her body. He didn't want to be a cow or a woman, for that matter. When his testicles started to ascend, he panicked and probed his crotch through his ill-fitted boxers. It was to no avail; his empty scrotum tightened against his crotch while a slit formed down the middle. "F-- Fuuuuck!" Carla stammered in a girlish voice. She lamented the loss of her manhood as her tail and horns sprouted
Her boxers tore off as Carla's assets grew, leaving her naked on stage. The remainder of her penis receded into the cleft of her next sex, immediately followed by her urethra and vagina opening. "Ahhhh!!!" She moaned as her new vulva quivered and leaked sticky fluid.
"Macy, give Carla a hand!" The announcer called.
A shapely woman sauntered toward Carla with a grin, holding a black bikini top and bottom. "Let's get these on you, sweetie!"
Carla burned with fear and humiliation but could only nod and let Macy assist her. When the top snapped on, she shivered as her nipples pulsed. Once the bikini bottom was fastened, she felt the fabric pull tight against her damp sex.
She trembled, staring at the crowd as the finality of her situation set in. No debt went unpaid, so she was sure they already had plans for her. When she glanced down at her tits, a thought briefly flitted across her fear-addled mind. 'At least they're perky.'