This is a dress with cut outs at the waist. It was made with the Blender cloth simulator. Illustration shows dress with subsurf of two. A diffuse texture is included. Jacklyn is also wearing my Flats (http://www.makehumancommunity.org/clothes/flats.html) in Giraffe print (http://www.makehumancommunity.org/content/flats_giraffe.html).
CC0 - Creative Commons Zero