One summer day my wife and I were at a beach close to a government park/historic site. The park itself had a fence that went all the way down to the water, so people couldn't sneak in. But we figured out that we could get around that by going into the water, a few yards across. It looked not too deep so we figured we could wade through.
Because we didn't know how deep it would be, my wife took off her sweater and jeans and entered the water in just a white tanktop (no bra) and white panties, while I held our clothes up over my head as we waded across (just as well since the water was shoulder deep).
We emerged on the other side just as an older grandpa type guy came walking around the cliff face on the park side of the beach, greeted by the sire of my wife in soaking wet tanktop and panties, her dark brown nipples and thick bush fully visible. She just said "hi, nice day" and the guy looked totally shocked and then said an embarrassed "uh, hi" then stared a little before wondering off.
About 20 minutes later, wife have slipped back into a sweater and jeans, we ran into the old guy with his family, kids and grandkids, further up intot he park. My wife said "oh, hi again" and we chatted with the family, but the old guy was quiet and awkward, having seen her in her previous state.
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