When we got out of the water, I noticed Tina's nipples poking through her top and a camel toe in her bottom. I told her the bikini didn't really hide anything; she might as well be nude. She said, "Okay" and stripped naked. I looked around to see if anyone was watching, being the nervous Nellie that I am, but there was no one within sight.

She looked at me and said, "Aren't you going to join me?"

That was a mild dare and figured, "Why not" and took off my trunks and we went skinny dipping in the cool lake water. We played a little "grab ass" in the...