[MFN]

Next door neighbour was showing me how to safely step from her dock onto the kayak she was lending me. She had just gotten home from work so was still attired in blouse and short skirt from the office. As she settled onto the kayak, skirt riding up, legs spread wide, and me standing above her, she suddenly realised that my view up her skirt would be unavoidable and that any attempt to adjust her skirt would make her lose her balance, so she just said "go ahead and look, but sorry, I forgot to replace my knickers when I stopped at the loo before coming outside." My wife was standing a few feet away and couldn't see what I saw but knew full well what I was seeing, and both women laughed. Years later she still kids me about it. By the way, neighbour was well worth looking at.