FURVERT!

amphibian anthro bactover black_hair black_mane body_hair brown_body canid canine chest_tuft clothing frog hair happy_trail holding_animal jewelry lily_pad male mammal mane maned_wolf necklace nipples partially_submerged plant pond solo swimming_in_underwear swimming_trunks swimwear text text_on_clothing text_on_underwear tuft underwear underwear_under_swimwear waistband water wet yellow_clothing yellow_eyes yellow_swimwear