Captain Andy had three passengers for this trip. Captain might sound a fancy title for a man with only a small motor yacht, but what the hell? He owned and drove it and that made him captain in his books. Or in his boat, anyway.
Andy was in the mid-twenties, tanned, not un-handsome, affable and an extrovert. He seemed to get on with everyone he met, which is a useful talent for someone who hires out his boat for day cruises. He had a lot of repeat customers.
Today he only had a small party, consisting of Mike and Denise, who were husband and wife, and Ronny, a friend of theirs. Mike and Ronny intended to do some scuba diving out along the reef, while Denise was just going to relax on board and soak up some sun.
Almost as soon as they had departed, Denise had stripped down to a bikini and staked out a spot at the bow, where she began her worship the sun ritual, lying down and gathering a tan.
Mike and Ronny, meanwhile, had donned their scuba gear and were prepared to dive as soon as they reached the designated site. Arriving as near the reef as Andy was prepared to go, Andy dropped an anchor to hold them steady and tossed out a 'divers below' buoy.
Checking the scuba gear, Andy confirmed that as far as was concerned everything was OK. They both had full tanks, were repeat customers and knew the rules. They intended to make several dives that day, with the first one being for approximately thirty minutes, followed up by other dives further down the reef.
Denise came up to watch the men drop off, curious to see them in action.
"How about it, Denise?" asked Andy. "Will you be taking a dive with them later?"
"Not me," laughed Denise. "If I swim, it's on top of the water, not down with the fish."
Mike grinned. "I've been after her to try it for ages," he said. "This is the first time she's agreed to come and watch. One step at a time."
Mike and Ronny dropped off, sinking swiftly then pausing about ten feet down, to do a final check of their equipment. Turning, they started towards the reef.
Denise leaned against the railing watching, the limpid water giving her an excellent view of the two men as they swam away. She didn't even notice that Andy had stepped up behind her until she felt her bikini bottom sliding down.
Startled, she tried to stand up and move away from the rail, but found herself pinned against it. She hadn't noticed until then just how big Andy was.
"Stop it," she snapped. "Just what do you think you're doing?"
"I'm getting ready to entertain a client who's been left deserted by her companions," said Andy, a laugh in his voice. "I thought you might like some exercise before going back to your sunbathing. You might also like to try your hand at some fishing later, while waiting for Mike and Ronny to return."
Denise could feel Andy rubbing her bottom. Her now bare bottom. And his hand was sliding further around and touching other places that it shouldn't.
"That will be quite enough of that, thank you very much," Denise said firmly. "In case you've forgotten, I'm married, and my husband is just there."
"Yes, I can see him, but I think you'll find he can't see us too well. Water distortion and the rail and such. You're pretty well hidden from his view."
To Denise's consternation, it was no longer just Andy's hand that was rubbing her bottom. It had been joined by another part of Andy's anatomy, one that she would much rather was not suddenly running loose.
"This is not, funny," she told him. "Stop it right now."
"I don't think so," came Andy's laconic reply. "We're just getting started."
Andy shifted the position of his erection so that it was no longer pressing between Denise's cheeks. Now it was pressing between her legs, and she could feel the hard length of it rubbing against her lips, encouraging them to move apart and let him access her slit.
With feelings of fury, frustration and, although unwanted, a touch of excitement, Denise looked down into the water and the retreating figures of Mike and Ronny.
"Damn you," she thought. "You brought me here and left me with a sex maniac and I can't even call to you, even though you're only about yards away."
Hope leapt as Denise saw Mike roll over and look towards the boat. She waved frantically, trying to indicate he should return, only to have hope roll over and die as Mike waved leisurely back to her before rolling back over and continuing, in the wrong direction.
Denise tried to struggle against Andy, but found she had no leverage, no room to hit at him, nothing. She was pressed tight against the rail and he was going to do what he wanted.