Tommy and Kara had been next-door neighbors since shortly after the death of Kara's mother, five years earlier. Both were now eighteen and had graduated from high-school a few weeks previously. Tommy's sixteen year-old cousin, Bill, was visiting while his and Tommy's parents were gone to the beach for a few days. Tommy, Bill and Kara had met in the morning, after Kara's father had left for the office, and agreed that they would get together for an early afternoon swim in Kara's pool.
Unfortunately, the sky had clouded over and a light rain had begun around noon. Kara called Tommy to cancel the swim, but asked that he and Bill come anyway and play cards in the poolside gazebo.
After the call, Kara donned a summer smock over the bra and panties she was wearing and ran to the gazebo. Tommy and Bill showed up a few minutes later, having run across the back-yards in the rain, still wearing the shorts and tee's they had been wearing earlier.
The rain soon stopped and the sun came out again. The three talked about the swim they had intended but noted that none was wearing a swimsuit. Kara suggested they should swim in their underwear.
To the astonishment of Tommy and Bill, Kara yanked the smock over her head, revealing her bra and panties, jumped up from the table and ran toward the pool. Tommy knew how transparent her underwear would become when wet and yelled, "No, don't!" but Kara either didn't hear the warning or chose to ignore it. She dove in.
As Tommy and Bill watched in stunned silence, Kara swam underwater to the shallow end of the pool, where she finally surfaced. "C'mon in, the water's nice."
From the distance, Tommy couldn't quite make out the details, but it was obvious that Kara's wet underwear was not hiding much. Thinking it best that his cousin Bill not get any closer, Tommy replied, "We don't have our suits with us."
Tommy was sure that Kara knew how transparent the water was making her underwear. 'How could she not, ' he thought. Kara, though, acted as if she had no idea, "Swim in your underwear, then, I am."
Kara's nipples and aureoles were making dark shadows in the wetness of her lace bra, but that wasn't all that was showing. Her panties were thin and somewhat transparent even when dry, but now, as Kara stood in the knee deep water at the other end of the pool, her water-soaked panties seemed not to exist at all.
Tommy's cousin, Bill, was anxious to accept Kara's suggestion, but he sensed his cousin's unease and offered another excuse for why they should not join her in the pool. "The cold water wouldn't be enough to keep me from embarrassing myself."
Feigning naiveté, Kara responded, "Embarrassing yourself? What ever do you mean?"
"Well, uh, you know ... wet underwear isn't going to do much to conceal our..." Bill glanced at Tommy, " ... or at least my excitement. You might get offended."
"Offended? Really? Because I caused two hunks a little excitement? I think I should be flattered. Besides, in this wet underwear, my excitement might show too."
Kara looked at herself to confirm what she had said. She was shocked at how transparent her underwear had become. "Why didn't you say something, Tommy? I had no idea it would be this obvious..."
In spite of Kara's profession of shock over how exposed she was, Tommy saw that she was making no attempt to cover herself. "I tried to stop you..." he said, realizing that anything he might say would be futile.
"Well, I didn't think ... I must not have heard you ... whatever ... can't change it now. Are you two coming in or aren't you?"
Tommy looked at Bill, who seemed anxious to be in the pool with Kara. Tommy considered the situation for a few seconds. He was warming up to the idea of Kara showing-off in front of his cousin, in fact he was becoming pretty excited by the prospect of it.
Tommy nodded to his cousin. Bill nodded back. Both pulled their t-shirts over their heads and unbuttoned their shorts, letting them drop to the ground. Kara noted that each was wearing briefs and, although some distance away, also noticed that Bill's concern was valid. Each was exhibiting a noticeable level of excitement.
The guys stepped out of their flip-flops, sat down at the edge of the pool and slipped in. The water was deep, over their heads at that end of the pool, and both clung to the side to keep from going under. "You're not staying there, are you," Kara asked. "I won't bite ... promise."
Getting no response, Kara took a deep breath, her breasts stretching her bra to its limits, and dove under, toward the deep end of the pool. After traveling the length of the pool underwater, her fingertips hit the wall at the deep end, between Tommy and Bill. She surfaced and clung to the edge.
"Now we don't have to scream at each other." Kara saw that the guys' faces had turned crimson. She took one hand away from the edge and turned toward Tommy. Her breasts were still below the surface of the water but the water soaked fabric of her bra wasn't hiding much. "What, " she said to him.
Tommy stared at her nearly naked breasts but said nothing. He still wasn't sure how he felt about his cousin being so close to his nearly naked girl-friend.
"I'll bet your cousin isn't so bashful," Kara said as she turned toward Bill. His eyes followed the movement of her breasts through the water. "You like my boobs, don't you?"
"Well yeah. Uh ... what man wouldn't. I mean, uh ... that shirt you were wearing this morning was really sexy, but it kinda hid how, uh ... nicely shaped you are."
"Tell me, Bill ... is it sexier ... with ... or without the underwear?"
"Uh, well ... really hard to say ... I like 'em both."
Kara turned her head to Tommy. "Getting jealous? I think you're cousin likes me."
"Not jealous ... no ... at least I better not be ... I'm sure you always get lots of attention ... in fact ... I'll bet you got plenty of it in France..."
"France..." Bill interrupted, "You were in France?"
"Uh huh ... a few weeks ago, at the beginning of the summer."
"Wow! What was it like?"
"Uh ... pretty European ... but I'm sure you guessed that much."
"Yeah, right ... uh ... did you go to one of those topless beaches?"
"Yes... and I even went topless... that is what you really want to know, isn't it?"
"Oh, wow ... that is so cool ... Were there a lot of people on the beach?"
"Well, yeah, I guess so ... Quite a few anyway."
"Men and women?"
"Were they all topless?"
"Most of them."
"Like ... uh ... how old were they?"
"The women you mean?"
"Uh huh ... the teenage girls ... girls my age ... were they topless too?"
"Yeah, in fact it was mostly older women that weren't topless. I would guess that any teenage girl that had anything at all to show off was topless."
"Were you with anybody?"
"Your father? ... he was with you?"
"Sure, he took me there."
"Your father? ... and he didn't care that you were topless?"
"Well, he might have been a little embarrassed at first, but he got used to it."
"And you? ... it didn't bother you to have him, and all those other guys, looking at your ... uh..."
"boobs, tits, whatever ... uh no, not really ... in fact, I think I kinda liked it ... besides, it wasn't exactly the first time."
"You run around the house topless?"
"In front of Daddy? No, but I'm sure I could if I wanted."
"When were you topless, before the beach I mean."
"Oh, Christ, I'm not sure ... different times in France ... when we were sightseeing once or twice."
"You went topless when you were sightseeing?"
"No, of course not. But I did get a little carried away one day when a bunch of men started taking pictures of me."
"Well, I was posing and they were cheering me on. I had my top unbuttoned, and..."
"Could they see anything?"
"Well, I wasn't wearing a bra."
"They could see your uh ... tits?"
"Well, I suppose so. It wasn't like I was trying to hide them or anything."
"And they were taking pictures?"
"Uh huh ... sure."
"And you didn't mind?"
"No ... should I have?"
"And your father?"
"Yeah, he was taking pictures too. In fact he took quite a few."
"You and your father ... uh ... are you..."
"No, of course not. He just likes the way I look, and I don't see why that should bother me."
"Is it bothering you that I'm looking at you?"
"Well, I am flattered ... but bothered ... no ... should I be?"
Kara kept turning, from one to the other. Nearly a full minute passed without anyone saying anything. The guys were looking Kara over while she was basking in their attention, still acting, though, as if she were indifferent to the situation.
Tommy was beginning to enjoy Kara's antics. He knew she was enjoying herself and merely acting as if she didn't realize the effect she was having on him and Bill. Tommy was curious as to how far she would go. He also was unsure as to how far he wanted her to go.
Looking at Kara's nearly transparent bra, he asked, "Do you want to take it off."
Kara replied, "What? Take what off?" She knew what Tommy meant and knew that Tommy knew too.
"Your bra, why not take it off," Tommy asked, "You let some strangers take topless pictures of you, and you went topless at the beach. Why not now?"
.... There is more of this story ...