I’m a British businessman and I was in Miami visiting a company there. Nothing very unusual or interesting in that. Until late one afternoon when I was sitting in the foyer of my hotel, typing up my scribbled notes from the day’s meetings. I could have done it in my room, of course, but I was enjoying watching the pretty ladies in their summer clothes. So I’m a bit of a lecher, so sue me.

What caught my eye was a young girl wandering around, apparently looking for something or someone. She was in her school uniform: a mid-thigh length pleated blue skirt and matching blazer over a white blouse and with a cute pink backpack over her shoulders.

She was a gorgeous little thing, her long dark hair up in a high ponytail, but she had amazing blue eyes as well. What I could see of her legs looked slender and coltish and I thought that I could see little breast bumps peeking out from the edges of the jacket.

I freely admit to a fondness for schoolgirls which goes all the way back to when I was a schoolboy myself. Now, at the age of forty-five, I held out no hope of ever getting my hands on one, but I still loved to look ... and to fantasize.

It was quite a big foyer and she worked her way methodically around it. I was very curious about what she was searching for, but figured that it was most likely her parents.

Then the strangest thing happened: she came around a pillar, saw me, and, just for a brief second, her eyes lit up as if I was exactly what she’d been looking for. It was crazy, but I was certain that’s what I’d seen.

And then she made a beeline straight for me. I tried not to stare as she got closer, but she really was captivatingly beautiful: an extraordinary mix of innocence and budding sexuality. I could already feel the stirrings in my groin just from the sight of her lithe legs and exquisite face.

“Hi,” she said simply.

“Hi,” I replied, happy just to chat and keep her close for as long as possible. “What’s your name, sweetie?” I asked, playing for time. She did indeed have cute little breasts in what looked like a white training bra.

“I’m Megan,” she replied. Strangely, I got the feeling that she was weighing me up as much as I was her.

“I’m David. Dave,” I told her.

“Are you busy?” she asked, looking at my laptop.

“Not really,” I replied, putting the computer to one side. She sat down on the chair opposite me and my eyes naturally went straight between her legs, but she kept them primly closed. As I looked back up I thought I saw a tiny smile form at the edges of her mouth, just briefly.

“Are you staying at the hotel?”

“I am,” I admitted, amused and not a little curious as to what her game was.

“You sound funny,” she said, “are you from Britain?”

I was quite impressed: most Americans’ first guess is Australian. “Yes, I am,” I admitted, giving her a little grin.

“Do you have any children?”

“I do actually. A daughter about your age and one younger.”

“Do you try to see their panties too?” she asked. I admit I was shocked by her question. She’d asked it straight-faced but her eyes seemed to sparkle with mischief as she watched me reacting to it. I was pretty sure I was being out-played by a schoolgirl: she’d seen me look at her legs as she sat down and she was teasing me.

“Sometimes,” I confessed, my heart beating a little faster.

“What’s her name? The one who’s my age.”

“Ada,” I replied. She was actually beginning to make me a little nervous.

“Do you ever fantasize about doing anything else with Ada?”

Jesus Fuck! What was her game? Was she wired for sound? Was this some kind of shakedown? I considered myself a good judge of character and I looked her straight in the eye, but she seemed calm, possibly slightly amused, if anything. What the hell: I could always deny it later.

“Yes,” I told her honestly with a dead straight face.

“Bad Daddy,” she said, the naughtiest little smile playing on her lips. “Do you wanna see my panties?”

It took a few moments for me to be sure that I’d heard her right, and by then my heart was racing, whether from excitement or fear, I really wasn’t sure. Suspecting that it was some form of scam or entrapment, I looked around the room, trying to see if anyone was paying us any attention. As far as I could tell they weren’t.

Would it even be an offense for her to show them to me? You could see exactly the same sort of thing any day on the beach. Actually, now I came to think about it, I was pretty sure that entrapment was illegal in Florida.

“How old are you, Megan?” I asked, while my sexual urges fought with my fear.

“Fourteen.”

Oh, sweet Jesus! A fourteen-year-old nymphet was offering to show me her panties! It was too good to turn down whatever the risk. I couldn’t help it, I looked down at her groin.

“Here?” I asked, my voice cracking with emotion now that the decision had been made. I also felt my penis swelling rapidly as I looked at her light brown legs.

“No! Silly! Not here,” she said, giggling. “In your room.”

I stood up and held my hand out to her, aware that it was a gesture I’d made many times to my own daughters. There was a definite pause as she looked up at me dubiously, which I only came to understand later. Finally, she put her little hand in mine.

I hoped to hell that holding hands we looked like a father with his daughter, and not like a dirty old man and his prey, as I led her over to the lifts.

When I opened the door to my room, she walked straight over to the floor-to-ceiling windows, slipping off her backpack and blazer and dropping them on the floor as she went.

“I’m going to live up here one day,” she said looking out, but not all excited and bubbly like you might expect a schoolgirl to speak, she seemed deadly serious and, what’s more, I got the impression that she wasn’t really talking to me at all: she seemed to be making a promise to herself. That was the first indication I had that Megan might not be just any ordinary schoolgirl.

She turned back and smiled at me. “Would Daddy like to see my bra now?” she asked me. “Would that turn you on?”

I think that up until that moment I’d still been sort of expecting some kind of sting to happen: some guy to turn up in a hallway or start banging on the door, demanding to know what I was doing with his daughter. But she genuinely seemed to want to play and I was breathing heavily at the prospect of her undressing.

“Daddy would love to see your bra, darling,” I said, more than happy to follow her lead. She watched me carefully as she undid the buttons on her blouse and then shrugged it off. The bra had soft, smooth cups and the shape of her small conical breasts was clearly visible through it, as were her tiny hard nipples. “You’re beautiful, baby girl,” I told her, which earned me a bigger smile. I was fully erect already and almost trembling with desire.

She turned around coyly on the spot. “Could you get my zipper please, Daddy?” she asked over her shoulder.

“Sure,” I replied, sounding much calmer than I felt as I stepped closer. I was amazed to see my hand shaking as I reached out and slowly drew the zip down. I could just see the waistband of her knickers and my prick twitched hugely - white, little girl knickers - how did she know that they featured regularly in my dreams?

She shimmied the skirt a little lower, teasing me. “Sit there,” she said, indicating the end of the bed. I did as she asked. I would have done anything.

She slowly pushed her skirt down to her knees and then let it fall, watching me all the time. My eyes went wide as her little bottom came into view, and she giggled prettily. My heart was hammering in my chest and my dick was uncomfortably erect as I gazed at her near-naked body. She was utterly gorgeous, and her pert little butt cheeks in the clinging soft cotton, made my mouth water.

“You can get it out and touch yourself if you like,” she said, spinning slowly on the spot, showing me her plump little mound. I wondered if I really dared to get my raging erection out in front of this little girl.

“My dad used to,” she continued as if it was the most normal thing in the world. “Mom said that there was to be no touching but...” She sort of trailed off in the middle of the sentence. Dear God! Her father used to jerk off while he watched her undress and her mom let him! I wanted to ask her what happened, but she was frowning as if the memory was distressing. Then she looked up at me with her face flushed. “I didn’t mind,” she said. “I liked it.”

I was so fucking turned on at that point - my dick was like an iron bar and I was literally shaking. She was staring blatantly at my groin and her hand had crept between her legs, stroking the front of her panties: she was definitely turned on, and she wanted to see it! A last surge of fear washed over me.

“No one can ever know ... about any of this, Megan,” I said, looking deep into those baby-blue eyes of hers.

“Of course not, silly,” she replied with a little giggle and then looked pointedly back at the bulge in my crotch.

“Have you ever shown your dick to Ada?” she asked.

“No! God, no!”

“But you’ve wanted to, right?”

How was she getting in my mind like this? My groin clenched as I thought about it. “I’m such a bad father,” I moaned.

“Show me your dick, Daddy, Show your baby daughter Ada your hard penis.”

There was no way I could refuse. I stood up, undid my trousers, and then pushed my clothes down to my ankles and kicked them away. God, I was so fucking hard! My knob was tight and shiny with precum, and the veins were standing out and throbbing.

“That’s nice,” she said, coming a little closer. “Touch it.” This tiny girl, staring at my hard-on, was driving me crazy. “Go on,” she encouraged, and then grinned at me as I wrapped my hand around my shaft and began to stroke myself.

Her eyes were fixed avidly on me and I saw her lips moving over each other, nibbling her lower lip.

“Do you like watching Daddy do this?” I asked.

“Yes,” she replied simply.

I took a chance and stood up, and her eyes followed my groin. I approached her as you might a frightened animal, slowly and with no sudden moves, until I was close enough to feel her breath on the hot skin of my cock. Still, she seemed mesmerized by my hand pumping up and down.

I reached out to stroke her face.

“No touching,” she reminded me.

“But you held my hand just now.”

“No touching ... anything naughty.”

“So your face is OK?”

“Erm ... yes. I suppose.”

I gently stroked her cheek and then bent down and brushed it with my lips. “And your neck?”

“Hmmmm.”

I slowly kissed around behind her ear and then down to her soft neck.

“That’s making me feel ... naughty,” she whispered.

“But kissing is alright, isn’t it?” I said softly, venturing down to her collarbone. She was breathing heavily now and her face and neck were flushed.

“Mm-hmm.”

Agonizingly slowly, terrified of spooking her, I dropped to my knees and brushed my lips over the material covering her tiny hard nipples.

“Oh ... Oh...” she gasped. “That’s ... that’s a naughty place.”

“But it’s only kissing,” I reassured her, squeezing her nipples with my lips.

“Hmmm?” she hummed, seeming unsure, but her hips were weaving a little now. I kissed my way down her taught little belly.

“Oh, that’s nice,” she moaned as my tongue dipped into her innie belly button. I could feel the heat and the smell of girl sex coming from her pussy now, and I couldn’t resist it any longer. I kissed her over her panties right on the tiny bump of her clit hood.

“That’s the naughty place,” she gasped, grabbing me by the hair, but far from pulling me away, she pulled me in harder. I squeezed her baby clit with my lips and lapped at it, and she began to grind her pussy on me.

“You’re a bad man, Daddy,” she moaned. “But it is just_ kissing.” I wanted so much to grab her firm little bottom and run my hands all over her, but I didn’t dare: I sensed that she was at the very limit of what she’d tolerate, and I wanted so, so very much to make her cum.

Her sweet juices were soaking the front of her knickers, and the taste was simply exquisite. I was licking at her furiously, driving her panties up into her little slit as her hips wove frantically and her legs trembled.

“Oh, Daddy! Oh! Please don’t stop!” she cried, her little body going all stiff before shuddering violently. My own body mirrored hers as I came massively all over the carpet. I hadn’t so much as touched myself for ages, and it was just the thrill of making this gorgeous young creature climax that had been enough. She clutched my head to her pussy for dear life as wave after wave of her orgasm made her legs shake wildly. I picked her up, my face still pressed to her quivering pussy, and lay her on the bed.

“No touching,” she whispered weakly as I leaned over her and kissed her sopping-wet vulva until she pushed me gently away and rolled onto her side,

I looked down at her perfect little body and my prick began to swell again. It would have been so easy to tear her knickers off and fuck her senseless. Just the thought of it terrified me and I hurriedly dressed and then lay down next to her.

I was happy beyond words when she snuggled up against me and put her head on my chest. She dozed for maybe twenty minutes and then came awake with a start, leaning up and looking at me accusingly before smiling.

“You were very bad, David,” she said.

“I’m sorry,” I replied, probably looking anything but.

“Don’t be,” she giggled, “it was nice. I’ve never let a guy do that to me before.” She paused and then said, “So, what do you do for a living?”

The abrupt change of subject threw me more than a little, as did the thorough grilling that she proceeded to give me.

I told her quite a bit more than I’m going to tell you. To be honest, I didn’t think she’d understand. She actually understood a lot more than I imagined, and what she didn’t, she asked me about until she did. “I’m going to go to college and be like you,” she announced very solemnly. I looked into her eyes and knew that she meant every word.

“I’m sure that you will,” I said seriously and then kissed her softly on the cheek. “I’m going to pop out for a few minutes. Will you wait here?”

“Mmm,” she hummed sleepily, lying down and snuggling back into a tight ball. I pulled the throw from the end of the bed up over her and gave her another little kiss before going down to the foyer.

I bought her a cell phone and then I went to the ATM and withdrew $5000 - OK I admit it, I was quite a successful businessman at the time. Still am actually.

Back in the room, she’d already dressed and was sitting on the bed. She looked at the bag in my hand and then up at me questioningly.

I sat down close to her, but not touching, and turned to look at her. “Megan, sweetheart. I’m not going to try to tell you what you should do,” I began, looking into those serious blue eyes. “But I’m worried about you.”

“I can look after myself,” she said defensively.

“I held my hands up placatingly. “I’m sure you can but ... there are some very bad men out there and--” my little speech faded out under her unrelenting gaze. I got the cell out of the bag. “Please keep this in your pack and if things turn nasty then hide in the bathroom and call the police. Will you do that for me? Please?”

“OK. I promise,” she said, taking it from me.

“I’ve put my cell number in it. I’m going back to England tomorrow, but if there’s ever anything I can do for you.”

“You’re very sweet.”

“And this is for your college fund,” I said nervously, as I handed her the bundle of hundred-dollar bills. “Don’t spend it on--” Again my words dried up under the withering look that she gave me. Then she smiled and took that too.

“You are a very, very nice man, David,” she said, leaning over and giving me a little peck on the lips. That kiss rocked me as much as anything else that had happened. “But I’ve really got to go now.”

I knew I’d never forget Megan and, to be honest, I think I’d fallen a little in love with her. A year later, when an opportunity came up to visit the company in Miami again, I sent a colleague instead. I knew that what I’d done last time could have earned me a long stretch in an American prison and pretty much ruined my life, and I simply didn’t trust myself to be near her again.