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Answer
The answer is 7.
In math we count holes by using whats called Geometric Topology, which is really just a fancy way of describing an every day hole in a formal way.
The simplest way I can describe it without getting technical is if you take the shirt and stretch it and flatten it into a disc. That is, take the large opening at the bottom around your waist and stretch it out on a flat surface until it creates a flat dist where the opening around the waist is the outer perimeter of the disc.
At this point count the holes in the disc, you will count 7.
