This two piece set includes a top and mini skirt. The cut out holes on this set is on the front and back of this set, leaving parts of the body exposed. We do not suggest under garments for this set, we suggest wearing this set in its natural state for a good look. This set has thick fabric and runs true to size. If you are in between sizes we suggest taking the smaller size. Model is 5'5 175 pounds wearing a size small. The stretch on this item is 7/10