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?"

"Of course."

"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?"

"Just Daddy."

"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."

"Then when?"

"When what?

"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."

"Carried away..."

"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?"

"Not a good idea," Kara said sternly to Tommy, tilting her head in Bill's direction.

Bill protested, "Hey ... why is my fault ... I'll behave..."

"Thats not the point..." Kara said, "not now ... maybe later ... I need to think about it ... can we play a game or something right now?"

"Yeah, well okay," Tommy said, "But you are going to think about it."

"Yeah, and..." Bill said. "We, uh ... well, I don't know about Tommy, but I won't even look ... or pay any attention."

"Really? Then whats the point? Where's the fun in that?" Kara joked. "Seriously though ... lets play a game now ... does either of you have a quarter?"

"You're not thinking we could play that quarter game you and I played a couple years back, are you."

"I hadn't thought about that ... could be fun ... both of you looking for the quarter at the same time ... but, uh ... that wouldn't work in the pool ... no, I was thinking of something else."

"Yeah, uh ... it could get a little weird with three of us ... anyway ... I do have a quarter in my pants pocket," Tommy said, "I'd get it, but uh ... in my underwear ... that might be embarrassing."

"Bragging or complaining," Kara said. "Or are you just trying to get me to do it. I don't care. I'll do it." Kara swam over to the ladder and grabbed hold, pulling herself up.

With her wet panties stretched tight across her butt, it looked as if Kara wasn't wearing any panties at all. She took her time getting out of the pool, giving the guys plenty of opportunity to feast on her backside.

At the top of the ladder, she stopped and looked back over her shoulder. "I guess my panties are kinda see-through, especially when they're wet." Being more of a tease than sounding as if she really meant it, she added, "I hope you don't mind." She turned and walked over to where the guys had left their shorts.

As she bent over searching the pockets, Kara kept her butt pointed toward the pool. Tommy and Bill were fixated on her wet body. After retrieving the quarter from Tommy's pants, she gave them a knowing look and walked to the diving board.

At the end of the board, Kara turned toward Tommy and Bill. She was only a few feet from them and they were being afforded the best view so far of the front-side of her panties. Like the back, it was virtually transparent. Kara was completely shaved though, and there was only a hint of her womanly treasure.

Kara described the rules of the game. "When its your turn, at the end of the diving board, turn and drop the quarter over your shoulder, into the pool." She dropped the quarter over her shoulder. "Give it time to settle to the bottom. Then go after it. You have to find the quarter without coming up for air."

"What happens if I can't do it," Bill asked.

"You have to truthfully answer one question from each of the other two."

"Any question," Tommy asked.

"I mean, uh ... it has to be a question you would know the answer to ... but yes ... any question."

"Alright, you go first," Tommy said.

"Yeah, sure. I mean, I am on the diving board and the quarter is already on the bottom of the pool, so yeah, that makes sense." Kara turned and dove in. The quarter had been on the bottom for a couple of minutes and had slid close to the drain. Kara found it easily and floated to the surface, holding it proudly over her head.

Tommy was next, and at first, could not find the quarter. He was nearly out of air when he spotted it. He grabbed it quickly and shot to the surface. His lungs burned as he gulped in the fresh air.

It was Bill's turn, but he didn't have the swimming experience of Kara or Tommy. Instead of diving, he jumped in and then had to turn over before he could even begin to look. His eyes were not accustomed to the chlorine pool water and he had trouble seeing. He was forced to the surface without having found the quarter.

"I haven't found it yet," Bill said, "You two be thinking about your questions while I look for it." When he surfaced the second time, he produced the quarter.

After Bill passed the quarter to Kara, Tommy asked him, "My question ... are you still a virgin?"

"Well, uh ... sort of."

"Sort of?" Tommy asked. "Either you are or you aren't. Which is it?"

Bill's face turned red. He looked into the water. "Uh, yeah ... I guess I am."

"You don't need to act ashamed," Kara said. "Until recently, your cousin was too, or at least that's what he wanted me to think."

"You mean," asked Bill, "That you and Tommy are ... uh..."

"You don't get to ask the questions, at least not yet. Its my turn now," Kara snapped. Then adopting an easier tone, she asked, "Have you ever seen a girl naked? I mean since you've been a teenager ... and pictures don't count."

"Uh ... same answer."

"Meaning 'no'?"

"Yes ... uh I mean no ... uh no I haven't."

"But you want to, right?"

Tommy jumped in with, "Hey, thats two questions."

"Okay, you're right," Kara said, "I'll save that for next time. Give me the quarter."

After getting the quarter from Bill, Kara attempted to pull herself up and over the edge of the pool but couldn't do it by herself. She was partly there, her breasts about level with the edge of the pool and her waist just above the water-line when she ran out of steam. "Help me, you guys," she pleaded.

Bill and Tommy each grabbed one of her legs and pushed upward. As her butt cleared the water and rose to the level of the pool deck, both found their faces only inches from Kara's almost totally transparent panty covered ass. "Quit staring and help me over the edge," Kara chided.

The two pushed until Kara's knees were on the pool deck, where she knelt to catch her breath, her butt perched in the air, offering Bill and Tommy an awesome view of her nearly bare pussy. Kara could feel the intensity of their gaze and held the pose a few seconds longer than necessary.

As Kara slowly rose to her feet, Tommy and Bill were in such a trance that they failed to notice the approving smile she gave to each of them. They continued to stare as she walked across the deck and onto the diving board. Kara ignored their attention as she tossed the quarter into the pool, then dove in after it.

After searching some time for the quarter, Kara finally spotted it but decided she didn't have enough air left in order to retrieve it. As her head popped above the surface of the water, she said, "I know where it is but I'm going to have to go back for it."

By the time she surfaced with the quarter, Bill was ready with a question. As soon as Kara reached the edge of the pool, he asked, "Are you and Tommy making it?"

Kara expected Bill to ask that question and had already decided how she would answer it. "Yes," she replied flatly. Bill was sure that was the correct answer, but he was astounded that Kara had not at least tried to duck the question.

Similarly, Tommy was left speechless by the abruptness of her answer. He wondered if she would answer his question so readily. "You seem to like teasing us with your wet bra and panties. Would you rather take them off?"

"That again, huh ... maybe ... but I wasn't sure you wanted me to."

"I'm not sure I do. I'm just trying to figure out what you want."

Bill inserted himself into the conversation. "Its not as if your wet underwear is hiding much anyway."

"I agree," Kara said. "So whats the point in taking it off?"

"I just thought you might be more comfortable," Tommy said.

Her voice dripping with sarcasm, Kara said, "Yeah, sure ... you're so thoughtful." Kara squinted her eyes at Tommy. "You want me to get naked in front of your cousin."

"I didn't say that," Tommy snapped.

"No ... but you have to be thinking it. Do you really want me to get naked?"

Tommy was beginning to like the idea but he wasn't yet ready to admit it to Kara, or himself for that matter. "Uh ... I'm sure Bill would like it ... and I guess I really wouldn't mind either ... that is, if its what you want."

"I just might then ... if you're sure thats what you want ... but I'm not sure I can trust Bill."