Our new neighbors appeared to be in their mid-40s and fit. On the far end, the husband was tanned, with manicured hair, and European style swim trunks. The wife, equally tanned, had luxurious black hair and wore a string bikini. She was beautiful and gave off an air of refinement.

Jess took the seat next to the raven-haired wife, gushing an apology for crowding them. She had a perfect cocaine high going, making her more outgoing and charming than usual. I watched as the husband checked out Jess's lower half as she sat down.

We moved onto our bottle of Champagne. Jess took off her coverup and bathing suit top,...