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Penny flounced down the sidewalk in a hurry, blind to how the bounding rise and fall of her breasts put a lump in the throat of every passing IU frat boy.

She was late, and she did not want to miss her appointment.

The cause of her nervous haste was an ominous letter she’d received yesterday from the campus authorities. Apparently, she’d missed her second booster of Dr. Salk’s miraculous new polio vaccine. If she didn’t get immunized right away, they were going to suspend her, and she’d lose all her credits for the semester.

It’d been hard enough persuading her parents that putting a girl through college was a good investment. If she got sent home now, she might never get back. So, she’d rung up immediately to schedule an inoculation.

Penny knew she must be close to the student health center now, but she couldn’t seem to find it. She’d been there once before, but she was deathly ill with flu at the time, and her memories were all fuzzy. In the end, she had to ask a friendly passer-by for directions. He pointed her toward a side-street. And, hmm, it did seem right. Yes, this definitely looked familiar. Surely the clinic had been located ... aha, down this tree-shaded walkway!

It was funny that there weren’t any signs outside. The entrance was very nondescript. Probably she’d come from the wrong direction and this was a side door—but even so, there ought to be something posted to help students find their way. She made a note to bring it up at the next sorority council meeting.

A rather angular nurse was sitting at a desk just inside, and she glanced up sharply as Penny entered. “Oh thank God, you finally decided to show. You’re late!”

The girl knew she was late—but she wasn’t that late. Still, the woman acted like it was a crisis, gripping Penny firmly by the arm and scooting her off down the hallway. Maybe, Penny thought, there were more students needing injections than she had guessed. Or maybe the doctors were ready to knock off for the day.

And speaking of doctors, it had been Dr. Crenshaw who tended to Penny when she had the flu. Everything else about that time may have been jumbled in her head, but she felt quite certain that he had been dreamy. She hoped he’d be the one giving her the polio shot today. “Who will I be seeing?”

The nurse glanced over with what Penny could have sworn was a hint of jealousy. “Mm, you’re in luck, darling. It’s the chief himself who’ll be taking you. Dr. Kinsey.”

Penny’s cheeriness deflated a fraction. Not Dr. Crenshaw, then. Too bad. This Dr. Kinsey was probably a shriveled old prune.

The exam room was larger than she’d expected, with bright lights and a lot of funny equipment she didn’t recognize. It made her feel good about her school, seeing how it provided students with access to all the latest medical innovations.

“They’re going to be here any minute, hon,” the nurse said briskly. Then, when Penny didn’t move, she added: “Well—get your kit off. Chop chop!”

The co-ed had been preparing to tug up her sleeve, but now she stopped and blinked, unsure whether she’d understood the woman properly. “You ... want me to get undressed? For a little jab?”

The nurse was exasperated. “For heaven’s sakes! You can’t possibly be shy, so I guess you’re in a hurry. But we aren’t running some two-bit operation here, missy. We have a system, and we follow it to the letter. It’s called the scientific method. So yes, you’ll need that off before your ‘little jab.’ Every stitch.”

Penny dithered a moment. It certainly didn’t feel right, being asked to strip down for such a minor procedure. Moreover, she hadn’t had to do it when she got her original dose either, so it must be a brand new approach.

Still ... she had been raised to respect authority figures. And heck, doctors were at the pinnacle in that regard, right alongside pastors and politicians. Also, she’d been trained to respect science. Science was a wonderful thing—a thing to be embraced always and everywhere. It was science that had brought them this marvelous vaccine, freeing them from the scourge of polio. It was science that had won World War II. Soon it would bring them flying cars and atomic ovens too.

Plus, it wasn’t like this was the first time Penny had taken her clothes off at a doctor’s office. She remembered a couple of years earlier, just before she left for college, when her mother took her to a ‘female specialist’ for the first time. It had been downright unsettling to part her legs and let a male poke and prod her nether regions that way.

Well, it was true that if a man did the same thing in any other setting, it would be dirty and sinful. But when it happened in a doctor’s office it was entirely different. Professional. Impersonal. Hygienic. And knowing all that, it would have been infantile of her to balk. So, she had closed her eyes and let it happen—diverting her mind by thinking about movie stars she had a crush on, and trying not to feel too humiliated by the ordeal. And in the final analysis, it hadn’t killed her.

This situation, she decided, was much the same. It simply wouldn’t do to behave like an irrational, hysterical female. If science and doctors and the university thought this was the most effective way to get inoculated, then she needed to act like the mature adult she was and go along without making a fuss.

She did hesitate for a moment longer, preferring to be alone for the disrobing. But the nurse remained in the room, fiddling with a tray of supplies, so at last, taking a deep breath, the girl set to work.

The worst bit was her top. Penny had chosen a tight short-sleeved turquoise sweater that showed her bust to good effect. The piece was fetching, but also a devil to get over her head without ruining her hair. Still, it had taken her a night in rollers to get this wave, and heck if she was going to let it go to waste. The operation demanded patience, along with a fair bit of undignified wriggling, but in the end she managed it.

The rest was easy. Her cute open-toed low heels ... her sensible, white cotton skirt ... Well, maybe not so easy. Once she was down to her skivvies, her bare skin pricked at the sterile chill of the room, and she had to gulp once or twice before unhooking her bra. After that she was in a rush to pull it free from her breasts, and jerk down her panties, and just have the whole thing over with.

“Is there a gown?” she ventured timidly.

But the woman only snorted. “Enough of the comedy. I need you up on the exam table now.”

Meekly Penny complied.

“Feet in stirrups,” the nurse added matter-of-factly.

Penny’s heart missed a beat. Surely that wasn’t right! “Uh, ma’am, I’m not...”

“Sweetheart, don’t you think you’ve wasted enough of our time? I want you all ready when the doctor comes in.”

A strawberry-pink flush began to suffuse Penny’s face, and breasts, and ... other parts, as she grudgingly obeyed—scooting her rear-end to the edge of the table, and then wrenching her thighs open, placing first one foot and then the other into the far-flung braces.

Right at that moment, a beefy, clean-cut young orderly bustled in with a clipboard. Penny broke out in a sweat and writhed uncomfortably. She thought it would look juvenile to try to cover herself up from a medical professional, but she desperately wished she had something, anything, she could use to maintain a bit of dignity.

“Hi, I’m Oliver,” he said, “I’ll be assisting.” Assisting? She didn’t remember the assistance of both an orderly and a nurse to be necessary for her first polio injection.

Her efforts to puzzle it out were soon distracted, however, by the humiliating weight of his eyes roaming over her naked body. She told herself it was only a clinical assessment; but the seconds dragged out awkwardly as the man took in her lustrous, shoulder-length chestnut hair ... her wide, liquid hazel eyes ... her expressive, peaches-and-cream features ... full lips ... shapely limbs ... trim waist and abdomen...

His gaze lingered very noticeably on her plump, youthful teats—spread out slightly on her chest now, but irrepressible all the same, and ornamented by ample, puffy, pale-pink areolae.

And there was no doubt in Penny’s mind where his eyes wrapped up the tour. Yes, they spent a painfully drawn-out interval fixed firmly on her crotch. This wasn’t a part of herself she was used to giving much thought to, having long since absorbed the idea that it was nasty and ungodly. But all she had to do was glance down to have a decent idea what he was seeing.

She did, at least, have a tidy wedge of brown curls there to cover her. Not so very much coverage, though, really, since she kept the patch neatly trimmed. Penny liked to exercise at the university pool, and as a decent girl took pains to ensure that no embarrassing details of her anatomy ever peeked out at the line of her swimsuit.

And anyway, in her current posture, not even an untamed thicket would have protected her from the man’s scrutiny. With her legs spread that way, she could feel how her labia had pulled apart—plainly exposing the bright feminine pink of the folds in-between, the dainty bump of her nub, even the subtle entrance to her reproductive tract...

She suppressed a shudder of embarrassment and looked away.

After he’d completed his survey, Oliver nudged the nurse. “She’s a real buttercup, eh? Wonder where Bobbie found her. Usually the ones who end up here are jaded and worn out.”

The woman only pursed her lips disapprovingly and said nothing.

‘Bobby’ must be the health official who’d noticed her missing inoculation, Penny supposed. But why would ‘worn out’ folks be coming to the student center to get their polio shots. Did he mean faculty and staff? If that was the case, then thank goodness she didn’t work here. She certainly wouldn’t want to have to see those dried-up fossils with their clothes off all day!

Part of what bothered Penny about Oliver’s presence was that he reminded her vaguely of her boyfriend Chet.

She couldn’t help a private smile when she thought of how badly Chet would have loved to be in the room right now. Probably would’ve given his right arm for an invitation.

Of course, if he had been here, then no doubt he would have knocked Oliver senseless, just for doing his job. Then she’d never get her booster, and would end up getting sent home. Honestly, Chet had been acting like a real jerk the last few months.

Penny reminded herself not to be a scold. Boys will be boys, after all, and it was a woman’s job to cut them some slack. But even so—her boyfriend seemed to think that just because they’d been dating for almost a year, it was high time she started putting out. To that end, he’d become awfully handsy on dates, trying to work his fingers down inside her bra, or up under her skirt. It was annoying, frankly, and exhausting to have to keep fending him off. And really, what kind of girl did he think she was anyway?

While she was ruminating, Oliver pasted an electrode onto the side of her neck. Then he wrapped some kind of blood-pressure cuff around her arm, and one of the machines began bleeping softly in cadence with her racing pulse. “Let you in on a secret,” he whispered conspiratorially. “This is mostly for show. We’re not really doing a full experimental run today. We’re being vetted for a new grant, and the referees wanted to observe the procedure.”

The confession snapped Penny back to the present—but her mind lagged badly, trying to blunder through this mess of new and confusing information. “Observe...?” She latched onto that word in particular. Notwithstanding Oliver’s recent inspection, the notion of being formally ‘observed’ in her current state sent a worried burst of static through her brain, and panic rising in her gorge.

The orderly caught a glimpse of the dread in her eyes, and replied sympathetically. “I know, weird to do it in a room full of people, huh? Even for you. But don’t worry, they’re all board-certified physicians. Academics. It’s strictly for science.”

Dazed, bewildered, she tried to be ok with it. It didn’t really matter if she was attended by one doctor or several, did it? The principle was the same. And it made sense that the people funding the clinic would want to oversee its operations. “But,” she mumbled, “what about the injection? It will still be valid, right? I really need to get it.”

Oliver hooted with laughter at this, though she didn’t see anything funny. “Injection, eh? Christ, the lingo you gals use! That’s a new one. But yes, don’t worry, your ‘injection’ will be the real deal.”

Just then the door burst open, and a strapping, square-jawed man paced into the room. Penny guessed he must be Dr. Kinsey, and she felt a little tingle in her crotch at the sight of him. He wasn’t young like Dr. Crenshaw, maybe close to sixty. But he was handsome and purposeful, with a full head of gray hair, and an aura of rare virility that she couldn’t deny finding exciting.

Hot on his heels, a troop of ten or twelve other people poured in through the doorway as well. These were scholarly-types, mostly men but with a couple of women, all clad in white lab coats. The observers, presumably. They filled the room to capacity, clustering around the exam table on all sides, peering down at her owlishly, taking notes.

It made her feel faint, knowing so many strangers would forever afterward remember having seen her naked and spread-eagled this way. And (oh my God!), she recognized one of them. Professor Delaney from Psych 101. After only the briefest of startles, he assumed a poker face, but there was no doubt that he’d recognized her. Well, how could he not? She was a pretty girl who made a point of sitting in the front row for every lecture. But would it ever be possible for her to go back there now...?

In the end it was just too much for her brain to process, and she had to sort of tune it out for the sake of her own sanity.

Dr. Kinsey glanced down at her pleasantly. “Thank you for coming in today, miss.”

“Penny,” she put in automatically.

He chuckled. “No need for names. We operate anonymously here.” She kicked herself for being clumsy. Of course—medical confidentiality!

“The thing is,” Dr. Kinsey went on, “you did arrive quite late, and it’s put us terribly behind schedule. We’re going to need to dive right in on the main procedure, without the usual preliminaries. I hope that’s all right.”

She blushed, feeling contrite. She certainly had no mind to tell a doctor how to do his job, especially after she’d already inconvenienced him. “Of course. Only ... if it’s not too much trouble, I’d like to close my eyes. I don’t mind how it feels, but it makes me sort of queasy to see it.”

His face registered interest. “Fascinating! I don’t think we’ve documented that response before. Oliver, write it down!”

Penny squeezed her eyelids shut, waiting to feel the prick in her arm.

Instead—after hearing liquid being squeezed from a bottle (antiseptic, no doubt) and then slathered somewhere (the doctor’s hands?)—she abruptly felt a prick in a very different place indeed.

“Doctor!” she yelped. Her lids fluttered open reflexively, revealing a scene she was utterly ill-equipped to process.

Kinsey had drawn apart his lab coat to reveal that he wasn’t wearing anything underneath. At a purely somatic level, his powerful torso and hairy chest and defined musculature were ... umm, let’s say a guilty pleasure to behold. But his nakedness didn’t end there—the man was unclad from the waist down as well, and this raised a far more messy set of issues. Issues that, one way or another, all seemed to revolve around that thick, meaty, ruddy-red cock that he was busy nestling into her vaginal opening.

Penny’s mind goggled at the surreal quality of the scene. She had only seen a penis once before, and then just for a second, because she’d been quick to hide her eyes. It was after one of Chet’s football games, while she was waiting in the parlor of his frat house for him to get cleaned up. He’d ‘accidentally’ walked in wearing only a towel, and then ‘accidentally’ dropped it. If she was being honest with herself, there was an illicit thrill in seeing a man fully nude; but beyond that his dick hadn’t done much for her. It struck her as weird and limp and slightly off-putting.

But this one here was another matter altogether. Stony-hard, wide and long, shaft throbbing perceptibly, slick and gleaming as if it’d been oiled, the thing exuded a primitive, biological appeal. Intuitively, she understood how its mindless substance burned with the longing to penetrate her. And it lay poised at the brink of fulfilling that desire now—aimed arrow-straight, right up into her most private places.

Against all logic, a tingle in her nerves urged her to touch it, hold it, take it inside. But that was utterly unthinkable. This had to stop.

“No...” she whispered inaudibly.

Yes, said the universe.

Penny had enjoyed the active youth of a red-blooded American girl. Climbing trees, riding horses at camp, leaping and somersaulting in pep squad. As a result, she had none of the physical barriers that might have alerted Kinsey to what he was dealing with.

Thus he remained blissfully unaware of her virginity as he pressed forward with his pelvis—slowly, steadily, attentively. Bit by delectable bit, the broad, springy glans of his cock burrowed its way inside her vagina. And whether he knew what he was doing or not, the deed was nevertheless done. Because, for the first time in the co-ed’s young life, a male had insinuated his penis into her reproductive tract. She was deflowered.