There is no reason to for an exam down there (girls) at that age.
What is the reason to examine guys at that age? That is the point that I was trying to make.
I recently had occasion to note that the physical exam form used by our local school district has the following on it:
Genitalia (males only)
I could males only for an inguinal hernia exam, but if the genitalia are to be examined, panties should be coming down and off as well, IMHO.
There was a big issue a few years back regarding females receiving genital exams during school physicals in my area. The final ruling was that males could have their genitals examined but not females. Other than concern for embarrassment, I cannot find any other reason for such a ruling. If everyone was so concerned about embarrassment, why not eliminate genital exams for both genders?