She was beautiful, standing there wearing only three small
triangles of cloth. It was late August, and the water was as warm as it
ever gets in the Great Lakes. Jim relaxed in the cool water, enjoying
the pleasant relief it offered from the 90 degree air inland. The surf
broke around him, occasionally lifting him off his feet as he watched
his wife slowly wade out to him.

Eva yelled briefly as she lost her balance in the surge, then came
up grinning. "I've never been where there's surf before," she said.
"This is fun."

"That's why I brought you here," Jim said, grinning as she shook
her wet hair out of her face. "Want to try body surfing?"

"I don't know, is it safe?"

"Watch. Get used to the feel of the water while I show you."

The surf on the Great Lakes isn't usually high enough for serious
body surfing, but you can ride an occasional wave. There was a brisk
breeze blowing towards the shore, so the surf was high enough that Jim
had fun showing Eva how to do it. Fifteen minutes later, Eva had found
her wave and let it wash her onto the fine sand of the beach. She
laughed as she sat up and let the next wave wash the sand off her
front.

"You OK?" Jim called, not sure she could hear him over the sound
of the surf.

"Sure," she called as she got up and waded out towards him. "That
was fun," she said when she was close enough to talk without yelling.
"I've got sand in my bikini, though, ugh."

"Take off your suit and clean it out," Jim suggested.

"What?" she said.

"Who's to see," Jim asked, scanning the empty beach. "We're a
quarter mile from the nearest people, and you're under water; there's
nothing to be modest about..." Jim lost his balance to a wave, and when
he came up Eva was laughing at him.

He grinned as he saw her bend down to take off her swimsuit's
bottom and then wade out into deeper water before taking off the top.
As she undid the bow that held it on, she lost her balance to another
wave. She came up sputtering and yelling something.

Jim couldn't make out what she was yelling until he got closer. "I
let go of my swimsuit when that damn wave hit," she said, looking
angry.

Jim ducked under the water and looked. He couldn't see very well
under the water, but he knew that the white suit ought to be easy to
see. He saw his wife standing and occasionally being lifted by a wave,
he saw a small fish swimming nearby, staying in one place with its head
pointed towards the beach, but he didn't see a swimsuit.

As he came up, he realized what the fish told him. "There's a bit
of an undertow here," he said, "nothing dangerous, but enough to take
away a swimsuit."

"So what do I do?"

"Relax and enjoy it?" Jim suggested, grinning. She didn't return
his grin, so he thought about what they had. "You wore a coverup over
your bikini on the way here, you can wear it when we walk back to the
car."

"But it's almost transparent!"

Jim grinned again. "We'll walk back through the dunes to the
parking lot; that way, we won't run into any crowds."

She looked seriously at him and then at the long line of dunes.
The lot was behind the lighthouse that rose over the dunes half a mile
away, and most of the people who used the beach were there as well.
"OK, I guess that's as good a plan as any. Want to go get my shirt and
shake out the sand before I get out of the water?"

"Why hurry," he said. "We've hardly been here for 20 minutes, and
I like seeing you swimming nude."

She looked at him with a pained look, but before she could
respond, they both lost their balance to a wave. When Jim came up, Eva
was laughing. "OK, we'll stay," she said. "These waves are sort of
fun."

Jim caught the next wave and rode it to the sand, then rolled over
and looked back at Eva. She floated neck-deep in the water, and as the
next wave approached her, she looked over her shoulder and then dove
forward to ride it shoreward. As she dove, her breasts were briefly out
of the water, and as she rode the wave, Jim watched her pretty bottom.

As the wave washed back off the sand, Jim looked at Eva's naked
body as it was briefly exposed on the sand. She grinned at Jim when she
noticed his eyes on her, but as the next wave broke over her, she slid
back into the water with it. Jim felt his penis slowly relax as she
dissapeared under the water.

Jim got up and waded back into the surf, following his wife. She
was swimming low in the water while he waded, and he almost caught up
with her when he was tumbled by a wave. When he came up, she giggled at
him. "You liked looking at me, didn't you?"

"Yes," he said. "You've got a nice body."

She stood up as the next wave passed and smiled at him as the
water fell to expose first her breasts, and then very briefly her pubic
hair. Jim noticed that her nipples were erect, but he wasn't sure if it
was the water temperature or sexual excitement. Before he had a chance
to find out, they were both tumbled by the next wave.

Eva laughed as they came up. "Let's ride a wave together and then
head for the car, OK?"

"OK," Jim said. They stood hand in hand waiting for the right
wave, and then dove forward as it approached. The wave lifted them, and
they slid down it's face as it drove them onto the beach.

"Do you mind checking to see if anyone's near?" Eva said, propping
herself up on her elbows as the next wave washed around her.

Jim got up and looked around, seeing nobody. "OK," he said, and
then watched while his wife rolled over on her back to let the next
wave wash over her naked breasts. He felt his penis harden as he
watched her get up.

"That suit's not really made for a hard-on," she said, smiling at
him as she walked up onto the beach.

"No, ... you are pretty, though."

She gave him a gentle kiss, and he felt his penis expanding more
as she briefly pressed her cool wet breasts against his chest. Her lips
were cool at first, but as she kissed him, they grew warm. He was a bit
dissapointed when she broke the kiss to bend down and pick up her
shirt.

"Come on," she said, walking towards the line of dunes.

"Aren't you going to put the shirt on?"

"I was, but then I realized it would just stick to me and make me
look like one of those wet T-shirt contest winners. Anyway, now that
I'm out here with nothing on, I kind of like it. I've never been skinny
-dipping before, but I'd be tempted to do it again."

"You acted like it really bothered you at first."

"I guess it did, but I guess that's just habit. I remember when I
was a kid, the minister at our church once told a story about
skinny-dipping."

"Your minister?"

She laughed. "Yup, he was talking about how we sometimes confuse
habits with morality."

He fell behind to look at her pretty bottom as she walked across
the hot sand, and as he watched her, he thought about making love. By
the time they reached the dunes, his swimsuit was still wet, but the
hot dry air of late August had dried his skin.

The face of the dune was steep and Eva paused to put on her
coverup before trying to climb it. Jim had thought that he would be
disappointed when she covered herself, but he'd forgotten the nature of
her coverup.

She turned to him after she put it on and asked "how's this
look?" The coverup was made as much to show off what was worn under it
as to hide anything. It covered her loosely from shoulders to
mid-thigh, but when she faced him, her breasts showed clearly against
the sheer fabric.

"I like it," he said, kissing her and feeling the texture of the
fabric sliding over her fanny under his hands. She returned his kiss
and gave him a quick hug before starting to climb the shifting sands of
the dune. He liked watching her fanny through her thin cloth as she
climbed, but she waited for him when she realized he was behind her.

"You know," she said as they reached the top of the dune. "If the
water were a bit warmer, it might have been fun to make love in the
surf."

Jim felt his penis tighten again. "I'd like to make love to you
now."

She squeezed his hand as they wound their way along the dune top
towards the distant lighthouse. "Out here, in public?"

"What public?" he asked.

She hugged him as they walked on. "If we had a blanket or even a
beach towel, I'd go along with you, but I don't like the idea of
digging sand out of myself."

"Sorry, I hadn't thought of that," Jim said. They came to a break
in the line of dunes and had to scramble down and back up to the ridge,
and as they reached the top, Jim had an idea. "Want to try it with you
on top?"

She stopped walking and looked at him. "Are you serious?"

"Yes."

She walked away from him along the dune top; the way she walked
made it obvious that she wanted to think by herself, so Jim let her
walk ahead. While she walked ahead, he admired her, enjoying the play
of the sun on and through her coverup as it rippled in the wind. She
walked on the sand between low hummocks of grass and scrub cherry that
grew on the top of the dune, then climbed one of the taller hummocks.

After a pause to look around, she walked down towards him, smiling
as her breasts bouncied pleasantly under her coverup. "Let's do it!"
she said as they came together. "Come on!"

His penis hardened as he followed her to a nearby hollow in the
top of the dune. As they entered the hollow, she slipped off the
coverup and hung it on one of the scrub cherry trees growing to one
side of the hollow. He looked at her as she stood surveying the hollow,
and then slid out of his swimsuit and set it on the scrub next to her
coverup.

Eva held out her hands to him as she looked at his erect penis,
and then came into his arms and kissed him. Her erect nipples gently
brushed his chest as they kissed, and then she pressed herself tightly
against him as they hugged.

"This is fun," she whispered, pausing briefly. "Come on!" She led
him to a grassy tussock, and continued to stand as he sat on it. The
grass was hot and it tickled his bottom as he sat on it, but he hardly
noticed it. She stood in front of him at arm's length looking down at
his erect penis, then knelt in front of him with her hands behind his
head.

His ran his hands slowly up and down her the soft skin of her
waist, and then pulled her towards him to kiss her breast. He kissed
the soft skin around her erect nipples, and then began gently sucking.
She pulled his head to her breast and stroked his hair as he sucked
harder, and as he ran his hands over her fanny, she pressed her hips
against his stomach.

He could feel the moisture between her legs, and as she rocked her
hips, her thigh brushed his erect penis. He held her hips and pushed
gently down while he let go of her nipple and began kissing his way up
towards her neck. His lips tingled with every kiss, and his penis
stiffened in anticipation as she straddled him.

She gently brushed the mouth of her vagina against the tip of his
penis, then slowly engulfed him. He hugged her to him as he felt her
sliding down over him, then kissed her under the chin as they began to
rock. She pressed herself tightly against him, and with each gentle
rock of her hips, he felt a rising tension in himself.

She kissed him gently on the lips, and as she gently rocked in his
lap, her tongue met his. Her hands pulled at him as he touched her
back, and then she broke the kiss with a moan and began grinding her
hips. The distant sound of the surf blended with the pounding of his
heart as she shuddered and sighed in his lap, and as she climaxed, she
pulled him to her and kissed him fiercely on the mouth.

She she leaned back with her arms around him and smiled a gentle
smile, but he was too excited to notice. As she began pumping herself
up and down on his penis, he reached for her breasts, fondling them
briefly until the sensation of her engulfing vagina overwhelmed him.
His climax was convulsive; he thrusting his penis into her as she sat
down hard in his lap, and then he held her tightly for a long time as
he relaxed in the afterglow of his orgasm.

"That was fun," she said quietly, still holding onto his his limp
penis with her vagina.

He smiled back at her, feeling a bit dissapointed as she got up
off him and smiled down at his penis as it glistened in the sun. He
didn't want to talk yet, but when she handed him his swimsuit, he
brushed the sand off his fanny and put it on before he followed her up
out of the hollow in the dunes towards the parking lot.

They had to scramble down two more breaks in the line of dunes and
climb to the next dune top before they finally walked down the
irregular back of the dune to the parking lot. They could hear the
voices of children playing near the lighthouse as they walked into the
half-full lot, but nobody was in sight as Jim and Eva walked over the
hot sand to the car.

He finally spoke as he sat in the driver's seat. "I hope you don't
mind what we did."

She smiled at him, then reached over and kissed him. "Nope. That
was an expensive bikini, but it was wort it."