I tend to agree that children in their third year of life are still young enough to walk around, if not naked, then merely semi-clothed. I lived with a 3 y/o for a little while as a nanny, and she always ran around the house and yard in her undies. But rules were that outside of the yard, bathing suits or clothes are to be put back on. I think that kids today grow up fast enough... can't we give them this little freedom before it's considered "indecent exposure'?