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“Cold?” she asks, giggling before dunking her head back in the water.

“Uh… you could say that.” I try to remain unaffected, but I swear my balls have fallen off and swam to shore seeking refuge under a warm beach blanket.

“I’m from England, so this is tropically fantastic.”

“Compared to the English Channel?” I tease, moving my arms in a circular motion to remain warm.

“I love my country, but our beaches suck.”

“Interesting, you don’t seem too fond of California.”

“Not California, American men,” she comments with an air of arrogance.

I swim closer to her, and with the feeling coming back to my frozen limbs, I place my hand on her hip, drawing her in and whisper, “I’m an American man, but trust me, baby, you’ll have fun.”

I move my mouth closer to hers and gently brush her bottom lip with the tip of my tongue.

She breaks away and circles me like a hungry shark, full of laughter and flirtatious gestures. She doesn’t seem so sad now, but maybe the tequila has something to do with that.

“I need to confess something.” She giggles with a hiccup. “This is the first time I’ve skinny-dipped.”

“Well, technically, Kate, you’re not skinny dipping unless you’re completely naked.”

She stops swimming and moves toward me. Stretching her arm around her back, she unclasps her bra, removing it in one go. Her tits float, making my dick slightly hard, her pink nipples teasing me through the moonlight.

“Happy now? Mr. American?” she teases softly.

I shake my head, prompting her to strip down completely. I’ve never had sex in the ocean—a first time for everything. Using a condom seems highly unlikely at this time, given that it’s sitting in my wallet on the shore. And then I start to think about all the ocean life floating around us and try to ignore whatever the fuck just brushed against my leg.

Please let it be seaweed.

Kate leans forward, her arms moving around in the water until she raises one arm proudly holding a pair of panties. “How about now?”

This time, I move closer to her, and with our mouths barely apart, I move forward to kiss her lips while my hands shift freely around her ass. In my intoxicated state, every problem weighing on my mind begins to drift further away with the current. Her body against mine is the only thing I’m thinking about.

“I’ll take that as a yes,” she says, tracing the top of my boxers and pulling on them as best as she can. I shake my leg, motioning for them to fall off.

Goodbye boxers. Fuck, they were my expensive ones too.

“You should take this as a time to be quiet and let me have some fun.”

My lips move to her ear, grazing the side of her lobe while my fingers trace her hips and move closer to the front, allowing me to slide my hand between her thighs. She lets out a small yelp while tilting her head back. A warm sensation runs through my body, relaxing my sore muscles from the nasty cold.

“You’re gorgeous. You know that?” I whisper.

Arching her back, she wraps her arms around my neck for support, pushing herself against me. “I shouldn’t fuck you…” she murmurs with a guilty plea.

“Give me one good reason why not,” I demand, edging closer to her clit.

For once, she chooses not to talk and instead leads our bodies closer to the shoreline until we’re standing on two feet. With her body naked in front of me, her erect nipples tease me relentlessly until I have no choice but to fuck her. Right here. Right now.

She’s fucking sexy even in the darkness of night. Her b

ody, not too skinny, tall in stature, has all the curves in the right places. I’ve been with plenty of gorgeous women, but perhaps Kate being somewhat off-limits makes her stand out even more.

“Not here,” she says. “Let’s get out of the water.”

Pulling my hand along, I follow her to where our clothes lie as she grabs me and pushes me to the sand.

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