Foreword
This is a tale of a woman's sexual awakening.
This first tale is about Anna Schofield and how she and the farm she runs becomes involved with a brothel known as 'The Institute'.
The first four chapters detail the justification for what Anna does.
The naughty bits start with Chapter Five and they cover about half of the story.
The series of tales that follow this will often include a crossover of characters and ideas from 'The Institute' series.
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Prelude
Anna Schofield was in serious financial hot water. She was two months behind in her mortgage and she had no resources she could call upon.
No family with money, no friends with credit, no assets she could sell or re-mortgage and no job skills meant no farm.
Unless she could come up with three months worth of mortgage payments in seven days, the bank would foreclose and she would be homeless and in debt.
This had been explained in great detail by that vicious bitch loans officer at the bank.
"I'm sorry Mrs. Schofield but since your husband has, uh, moved on, shall we say; this institution will not be able to continue to extend your payments." Rebbecca Caldwell, a junior loans officer for the bank had said.
Rebbecca had been pompous and arrogant and full of self assured university learned knowledge. No one at the bank took her word for anything but she saw an opportunity to make herself look big at the expense of Anna Schofield.
After all, Anna's husband had left her and his obligations behind. Anna was overwhelmed by it all and had made the mistake of asking for help from Rebbecca.
Now it was two months and three weeks later and Rebbecca was seriously close to acquiring Anna's property. What she was doing was quite immoral and even illegal but that didn't matter to Rebbecca. Only the acquisition of things mattered to her.
It's funny how greed can be that way.
Chapter One -- Strangers in the Night
It was a cold snowy winter night. The wind howled and the driving snow pelted the windows at an angle before falling to rest on the ground.
It was not a night to be out and Anna was glad she had her farm. Just like the farm she had grown up on, this one came with a two story house with a full basement, a large shed and a full barn. The farm was an hour's drive from the nearest city or village.
The many acres had, at one time, supported a herd of cattle. It had been a long time ago and the cattle were long gone. If Anna's husband had been more successful in his work, he could have continued to spend exorbitantly on her farm.
Unfortunately, his company had found out about his proposed embezzlement scheme. He had run then, leaving all his worldly processions behind. This included his very sheltered wife and her prized but very expensive farm.
"Darling!" Anna had said when she first saw it, "This is perfect! It looks just like the home I grew up on!"
Even though they could not afford it, her husband went ahead and put a small down payment on it.
The fact that it was a huge financial burden meant nothing if he was successful in his thefts. He had not been successful and now his wife was a week from having to pay the price for his greed and his foolishness.
Anna was most surprised when she heard the loud knock at her door. Jumping up she answered it to find two women and one man standing on her front doorway. They were snow covered and looked very cold.
She ushered them in and was aghast to see they were ill fitted to be out in the cold. The man and one woman were wearing business suits with raincoats on and the smaller woman was wearing an evening gown. All three wore street shoes.
It was very bizarre and it must have showed on her face because the smaller woman spoke to it, "We were making a presentation at your neighbour down the road. On our way back to the city, our car got stuck in the snow. It was right at the road to your house. We could see your light on from the road. So we made our way here."
The smaller woman smiled awkwardly and Anna realized that she was expecting a response.
"Oh, I'm sorry!" Anna said, with a little embarrassment, "Where are my manners? Please take off your shoes and coats and come in."
Only then did she notice the large suitcase carried effortlessly by the man. She looked at it in surprise.
"A suitcase, what would they need that for?" She thought to herself.
Again the smaller woman spoke, "As I said; we were conducting a presentation and have samples in our car. I hope you wouldn't mind if we brought it in with us...Just until after the storm has passed. We called for a tow truck but he said he wouldn't be able to make it for several hours!"
Anna smiled awkwardly and said, "Well, you cannot sit in your car and freeze to death. Please make yourself at home."
All three murmured their thanks before the small woman introduced them.
"The big man to my right is Bruno and the lady to my left is Grendel." She smiled but both Bruno and Grendel looked mildly surprised before the smaller woman continued, "I am Ursula."
Anna smiled and introduced herself.
"Is there someplace that we might change into dry garments, Anna?" Ursula asked with an innocent smile.
Anna nodded and pointed to the top of the stairs.
"I'm sorry; I don't have anything big enough for your friends..." She began awkwardly.
Ursula cut her off with, "That's okay. We'll get by. Just give us a moment, Anna."
So saying, the three people went to the top of the stairs and into a bedroom to change.
All three were nearly nude when they came down the stairs. They were all wearing black sauna wraps and nothing else.
"It's all we had." Ursula said, by way of explanation.
Anna was a little stunned. The big man...Bruno... was a magnificent specimen of manhood. Standing over six feet tall, he was well muscled and looked to be carved from stone.
Anna couldn't help but peek at his sauna wrap. It seemed to have a hard time containing him.
She did not see him smile at the two women when he noticed her peeking.
The big woman...Grendel... was nearly as strong looking.
"Solid and dependable, I'll bet." Anna thought to herself, "They look like the kind of person I thought I'd married."
Quickly she buried that thought and reminded herself, "Now was not the time."
Usual looked dainty and rather lovely. In comparison to her two companions, she seemed even smaller.
"So, Anna...What do you do for fun on a cold snowy night out here?" Asked Ursula mildly; her eyes full of mischief.
Chapter Two -- Truth or Dare
Momentarily at a loss for words, Anna didn't know quite how to respond.
Grendel, sighed and spoke calmly, "Ursula was just fooling, Anna. We really don't need anyone to entertain us."
"Spoilsport!" Ursula said with a mock pout and pretend slap on Grendel's arm, "On a night like this, we usually play 'Truth or Dare' and I thought you might like to play."
Both Grendel and Bruno looked surprised and Bruno spoke firmly, "Ursula, need I remind you that we are in a stranger's home? It isn't fitting to suggest such a thing."
Anna, who had never played 'Truth or Dare', spoke up suddenly and in a light voice, "I, uh, I wouldn't be interested in playing but if you three want to, then be my guest. I'll merely watch."
The three guests turned their eyes speculatively toward their host.
Then Bruno said calmly, "I believe I'd rather play cards."
"I concur; do you have a deck of cards, Anna?" Grendel asked.
"Yes, I believe I do." Anna had answered.
So they sat around Anna's kitchen table and played cards. Ursula had not complained or been the least bit impatient.
It was Anna who suggested that they enjoy some wine. Her three guests had looked at each other before agreeing to 'just a glass'.
They played cards and drank wine and Anna gradually relaxed. She even began to feel more at ease.
The wine had gone straight to her head. That coupled with Bruno's presence so close to her made her feel very comfortable; secure even if only for a night.
After an hour of card play and without thinking, Anna asked, "What is this 'Truth or Dare' that Ursula talked about earlier?"
"Well, it works this way. One player asks another 'Truth or Dare'?" Ursula began, "If the asked player responds with 'Truth', then they have to answer a personal question but if they respond with 'Dare', then they have to perform a task. When they are done, it's their turn to be the questioner."
Anna shrugged and said, "Sounds simple enough to me. Let's have a go at it."
"Uh, we play a pretty unusual version of this game, Anna." Grendel finally said seriously, "So if it bothers you or you want to stop, let us know."
Anna, feeling a little light headed responded, "Okay, uh, I'll do that."
Things were moving very fast for Anna all of a sudden. First there had been the financial stress. Then these three people had turned her quiet evening upside down. Arriving by surprise, they had stripped down. Wine and the big man's presence made her feel more relaxed than she had in several months. Now they were preparing to play risqué games.
If she had been able to step back and look at what was happening, she would have seen that she was being played. Sheltered as she had been and overwhelmed by what was happening; she just couldn't see what was coming.
"First we play 'high card / low card' to see who asks first and who goes first." That was from Ursula.
It turned out that Bruno was the first to ask and Anna was the first to be asked.
Anna responded with, "Dare."
Grendel laughed and said, "I'll be right back."
She returned a moment later with the huge suitcase. She set it down on the living room floor.
Anna and her two other guests came into the living room and sat down.
