Scales have moved all over your body by now. "Sssswath issss hapssening?", you say with your split tongue that quickly flicks in and out of your mouth. Your fingernails turn a darker color, almost growing on top of your fingers and your fingers overall becoming less dextrous until you have two hands with large claws that you can only do basic movements with. The same quickly happens to your feet as your toenails turn into those same sort of rock-climbing claws, while your neck feels like it's expanding. Your whole neck seem to gain muscles, expanding and stretching until it rips the collar of your shirt and your neck is about twice as long. Your nose and lips fuse into a sort of scaly muzzle and your teeth receding until you barely have more chewing power than a newt. Likewise, your ears pull back into your head, folding into themselves until only two small holes are left in the sides of your head. Your eyes bulge up, move to the side of your head and turn yellow, with slits instead of pupils. Your head now fully integrated into your neck it seems, you watch your spine ripple a bit until it looks a bit elevated from your back, as a pushing begins into your pants. The pushing quickly intensifies to pain, as a bulge in your pants becomes bigger and bigger...until suddenly with a loud RRRRRRRRIP a long green scaly tail comes lashing out. You calm down as the back pain subsides, your tail flicking about freely, as the tension of your clothes seems to become less and less. When you return your attention to your transformation, you notice that your clothes are many times bigger than they used to be, and still getting bigger - or rather you getting smaller. Your clothes continue to drop into a pile on the floor as you shrink beneath the size of a rock, which you immediately decide to scale and lie down on, as the warm stone feels SO good against your skin...
Man, being cold-blooded does have its advantages.