High Finance And Economics Ch 03

It was a beautiful day in Switzerland with clear blue skies, warm summer sun it was the perfect day to be out and about but Melissa Lam was stuck in a doctor's clinic waiting room filling out her personal details on an Ipad. Marie, her boss' young wife and her colleague Anna, were both waiting with her and the two of them busied themselves with their phones. After a night and morning of unplanned sex, Melissa needed to see a doctor for the morning after pill, her perfect little life had already been shattered and the last thing she needed was to get pregnant.

Melissa was a bundle of nerves, she had never gotten the morning after pill before and she felt so dirty being in this situation. It felt to her that everyone was staring and judging her but it was all just in her head. How could anyone possibly know what she was there for? The only comfort Melissa got was that she wasn't waiting alone and the modern warm design of the clinic gave her a sense that she was going to be well looked after. Luckily it wasn't long before the nurse called her name.

Nurse: "Miss Lam. Dr Kleinman is ready to see you."

Melissa got up off the plush white leather bench, made her way through the frosted glass doors and followed the old stocky nurse. They walked down a short corridor lined with contemporary artworks before the nurse smiled and ushered Melissa into the doctor's office. There she was introduced to Dr Kleinman, a short portly man in his 60's with slicked grey hair and moustache. Dr Kleinman was dress in a tanned button-up shirt, grey dress pants and a brown wool vest that looked like a handmade present from years ago. Melissa thought he looked out of place, the clinic resembled an Apple store but Dr Kleinman looked like an over-weight antique salesman from a country town.

In fact, this wasn't far from the truth, Dr Mark Kleinman was originally from a small town in Germany where up until recently he was seeing patients out of his old county farmhouse practice. It was all thanks to Nicholas' (Melissa's boss) investment in his recreational drugs research, that Dr Kleinman was able to move into this modern clinic and research facility but the influx of capital did not improve his dress sense.

Dr Kleinman: "So, what may I help you with today?"

Melissa felt uncomfortable discussing her issue with a male doctor, especially with one that looked so grubby but being in a foreign country with little options she knew it was her only choice.

Melissa: "Well Doctor, I need...um...the morning after pill."

Dr Kleinman: "O...not a problem. I believe we have that in stock here at the clinic."

Dr Kleinman slowly looked at this Asian beauty from head to toe and Melissa could feel him judging her the whole time.

Dr Kleinman: "I just need you answer a few questions. So how long ago did you have unprotected sex?"

Melissa: "Last night and this morning."

Dr Kleinman: "Twice? And both times was unprotected sex?

Melissa was so ashamed: "Y...yes."

Dr Kleinman: "Was it with the same person or two different people?"

Melissa saw Dr Kleinman's judging gaze, he must think I'm some cheap whore, she thought.

Melissa: "No. I'm not like that. It was with the same man."

Dr Kleinman: "It's O.K if it was with more than one man. I need to know, to see if we need to do any test for STD's. Do you know if the person you had sex with was clean?"

Melissa: "I don't know."

With the mention of STD's Melissa was thrown into a state of panic.

Dr Kleinman: "Can you contact this gentleman? What's his name?"

Melissa: "Yes but I can't... his name was Nicholas."

Dr Kleinman: "Nicholas Meir?"

Melissa: "Yes. How did you know?"

Dr Kleinman: "Nicholas called me earlier and mentioned a young lady would be coming to see me. I only just realized it was you. Not to worry, Nicholas is in perfect health. So no test will be required."

Nicholas often sent these young women over after a wild night and Dr Kleinman loved it as he would live vicariously through Nicholas's exploits. Dr Kleinman was happily married with 3 grown children and would never cheat on his wife but not out of love, more out of fear. Mrs Kleinman was a force to be reckoned with but this didn't mean he couldn't have a look.

Dr Kleinman: "I just need to do a quick examination."

Melissa was shocked at having to be examined, she thought it was just going to be a few simple questions and she would get her prescription. She wanted to ask for a female doctor but she knew there might not be one available and she didn't want to insult Dr Kleinman's professionalism, so she just went along.

Melissa was lead through another glass door on the side of the office to a well-lit modern exam room. It was lined with cabinets, sink, medical equipment and a large reclining table/ chair in the middle of the room.

Dr Kleinman: "Just take off your clothes and place them on the chair over there."

Melissa: "But...I'm..."

Melissa wanted to say she wasn't wearing any underwear but she stopped herself knowing that the exam would require her to be completely naked. Earlier this morning Marie had lent Melissa a light blue and white pin-striped dress that just covered her knees. It was a modest summer dress with a button up front but they were planning to purchase more underwear when they went shopping as Melissa's was still in the wash.

Sensing her hesitation, Dr Kleinman: "Melissa, I'm a doctor there is nothing there I haven't seen before, please?"

Although he was a doctor, the way he looked at her and smiled, made her uncomfortable. Dr Kleinman turned his back to Melissa and started washing his hands before setting up a trolley of materials for the exam. With his back turned Melissa reluctantly unbuttoned the front of her dress letting it fall to the ground before stepping out of it. She quickly picked it up holding it close to cover herself.

When Dr Kleinman finished, he wheeled the trolley and a stool to the exam table before taking Melissa's dress to put on the chair. Melissa stood there frozen to the spot covering her nakedness as Dr Kleinman just looked her up and down. He has seen many of Nicholas's conquest but Melissa Lam was definitely one of the prettiest and the first Asian he has examined. The blue dress hid the true size of Melissa's perfect perky breast, her smooth pale skin and completely shaved pussy. Dr Kleinman couldn't help but stare at her perfect naked body and he could feel his cock pumping to life.

Dr Kleinman: "Here, have a seat."

Melissa moved to the end of the table sitting down with her legs crossed and arms folded. She noticed Dr Kleinman was just staring at her breast and she made herself smaller trying to hide.

Dr Kleinman: "O.k, why don't we start with a breast exam. Have you had a breast exam before, Melissa?"

Melissa shocked: "N...no, I haven't?"

Dr Kleinman smiled as he knew he could take a few liberties with this young beauty, having no prior experiences.

Dr Kleinman: "Just place your arms by your side and stick your chest out, please. And you can spread your legs out a little to make it more comfortable."

Melissa did as she was told, pushing her chest out and placing her arms by her side. Dr Kleinman positioned himself in front of Melissa and she turned her head staring blankly at the wall, wishing she was somewhere else. Dr Kleinman slowly began groping and playing with Melissa's soft breast, cupping one in each hand.

Dr Kleinman: "I'm just looking for any hard lumps on your breast. You can do this yourself at home."

Melissa looked down to see Dr Kleinman's chubby hairy hands kneading her lush mounds, which gave Melissa flashbacks of this morning when Nicholas used her breast to pleasure himself. As Dr Kleinman continued to exam every inch of Melissa's breast she was surprised at how soft and warm his hands were. Dr Kleinman had grey hair completely covering the back of his hands and up his fat sausage fingers, Melissa thought they would be rough and callused.

Melissa jumped a little when Dr Kleinman started rolling both her nipples between his fingers and pinching them gently causing them to harden.

Dr Kleinman: "Good your nipples are hard and seem normal. You don't want them to be inverted as it can be a sign of other issues. Are they sensitive?"

Melissa was starting to feel aroused and found it hard to concentrate with Dr Kleinman circling his thumbs over her nipples but she managed to let out a soft "Yes."

Dr Kleinman: "Almost done I just need to check around the side and do an odour test?"

Melissa was confused by the mention of a test but after another couple of minutes of getting groped and having her nipples simulated she found out what he meant. Dr Kleinman leaned in burying his nose in between her breast before taking a deep breath and enjoying the scent of Melissa' soft skin. He continued to sniff her boobs, pressing them together onto his nose before he slowly sniffed the underside and nipples. Melissa arched her back in shock at this sudden intrusion and she felt disgusted as she smelt the top of Dr Kleinman's head. He smelled like an oily retirement home.

Dr Kleinman: "No foul odours hear. Everything seems very normal. Now, why don't you lay back and I'll start the examination?"

Once Dr Kleinman had released his grip on her breast Melissa covered herself again hiding her sensitive nipples in her hands. Dr Kleinman gently reclined Melissa before pulling two leg rest from the corners of the table. Melissa couldn't move she was still in shock at her situation and having to expose her most intimate parts to another man. She kept telling herself "He is a doctor" but it wasn't helping to calm her nerves.

Dr Kleinman gently placed each one of Melissa's legs into the supports spreading her thighs apart and exposing her shaved vagina. He then sat down onto his stool rolling himself between Melissa's legs. Melissa peered down, fearful of what was going to happen next but she was met with Dr Kleinman smiling back with his face between her thighs. Melissa jumped at the sudden touch when Dr Kleinman placed his hairy hands on her inner thighs and began to spread her delicate folds with his thumbs.

Melissa: "Are you going to put on some gloves?"

Dr Kleinman: "Don't worry I have washed my hands thoroughly and I normally don't use gloves because even the X-Large gloves are still too small for my chubby fingers. Unfortunately, I have inherited my father's farmer's hands but don't worry I have a very soft touch."

Dr Kleinman waved his fat fingers closer to Melissa's face to allow her to get a good look at them. Each digit was of average length but they were all at least an inch thick and half an inch thicker around each knuckle. Once again Dr Kleinman began to spread Melissa with his thumbs and he could see she was already a little moist. He ran his thumb along her slit before rubbing the fluid between his fingers.

Dr Kleinman: "You seem to be quite wet but your fluid is clear and healthy. You're also a little red down here. Are you in any pain or discomfort?"

Melissa blushed red as she realized how aroused she was from getting her breast examined.

Melissa: "Um...yes it does hurt a little."

Dr Kleinman: "I can see why. You have a very tight opening and if I recall correctly Nicholas is quite a big man. Did he fit all the way in?"

Melissa didn't want to answer but she saw Dr Kleinman's face looking at her for a reply.

Melissa: "I think so...um... I'm not sure."

Dr Kleinman: "Well, not to worry. I have an ointment that will help numb the pain and reduce the redness. It will take about five minutes to apply."

Dr Kleinman picks up a small white tube and squeezes a clear gel onto his index finger before rubbing it gently onto Melissa's ravage slit in a circular motion. Melissa involuntarily arched her back as she felt his wet digit running between her sore folds. She couldn't help but let out a small mown as she remembered the feeling of Nick's wet tongue doing the same. Instantly Melissa could feel the ointment working as it soothed her aching pussy.

Dr Kleinman: "I will need to work the ointment in for the next five minutes for it to have a lasting effect and I'll give you a couple of tubes to take with you."

Dr Kleinman applied a little more gel to his finger before slowly pressing it into her tight opening. Melissa jumped at the penetration and she almost shot her hand down to stop Dr Kleinman. But she remembered it was an examination and she decided to grab hold of the edge of the table to kept her hands still while steadying herself.

Dr Kleinman slowly worked his finger in past the first knuckle, then the second, swirling and twisting as he pumped his finger. He stared intently watching this tight Asian pussy gripping around his fat finger and he imagined how tight it would be to fuck. Melissa was breathing heavily trying to fight her arousal that was building slowly between her legs. Dr Kleinman's soft fat finger felt the same size as her fiancé's cock but with two added round knuckles that stretched her as they entered and withdrew.

Dr Kleinman: "Melissa, you're very tight. How many sexual partners have you had?"

Melissa look down to see Dr Kleinman's smirking face waiting for an answer.

Melissa: "Um...ah..."

Melissa found it difficult to answer while Dr Kleinman's fat knuckled finger kept bumping along her g spot.

Dr Kleinman: "Too many to count? That's surprising."

Melissa embarrassed: "No. Just two...My fiancé Terry and Nicholas..."

Dr Kleinman: "You have a fiancé? O... Well, Congratulations."

Melissa went bright red with embarrassment and shame. In her distracted state, she said too much and she knew Dr Kleinman must be thinking she was a whore. But before she had a chance to feel guilty about cheating Dr Kleinman plunge his finger in deep swirling it around in circles. Melissa tense her body trying to force herself to calm down. Dr Kleinman was loving the sight of this beautiful slender Asian wriggling with pleasure on his finger and he especially loved the sight of her tight pussy getting penetrated. As he watched he noticed her tight little anus and wondered if Nicholas had his way with it yet.

Dr Kleinman: "Melissa, have you had anal sex before?"

Melissa horrified but still breathing heavily: "No."

Dr Kleinman: "Did you recently get penetrated anally with toys or other objects?"

Knowing Nicholas, Dr Kleinman knew he must have done something with her tight butthole.

Melissa still tensing: "Well... Maybe a finger but only for a moment."

Dr Kleinman: "Well, we better apply some of the ointment there as well to avoid infections."

Dr Kleinman removed his index finger giving Melissa some relief from her rising arousal. He applied more of the gel to his middle finger and began to press it into her tight little brown ring. Melissa instinctively clenched her butt cheeks stopping Dr Kleinman's finger from entering. Melissa didn't want anything up her backside but the thought of how roughly Nicholas' had fingered her anus and the mention of infections made Melissa worried.

Dr Kleinman: "Melissa, I need you to relax or this may hurt. You need to push out like your passing a bowel movement."

Dr Kleinman pressed his finger again but failed to get it in. Melissa wasn't clenching this time but she needed to push out to allow it to enter.

Dr Kleinman: "Better, try again you almost had it."

Melissa tried again and this time Dr Kleinman's middle finger slipped in easily pass the first knuckle. Melissa was surprised at how different it was to when Nicholas did it earlier this morning. This time it didn't hurt, as long as she pushed out but she could still feel Dr Kleinman's fat finger stretching her insides.

Dr Kleinman: "That's it, Melissa. Now the ointment needs to be worked in."

Dr Kleinman pumped his middle finger deeper and deeper until it was completely buried inside her. He couldn't believe how tight she felt and her little butthole was almost constricting his finger. After a couple of minutes having her anus constantly stretched over Dr Kleinmen's fat finger and knuckles. Melissa was getting used to the invading digit in her ass, it was completely weird but not unpleasant to her. Slowly, Dr Kleinman began to curl his finger as it entered and Melissa sensed how some people found it enjoyable. In fact, it was starting to feel quite pleasant.

Without warning, Dr Kleinman slid his index finger back inside Melissa's pussy causing her to tense up around both his fingers.

Dr Kleinman: "Just relax, this will make it quicker. I still need to apply the ointment to both areas for a couple more minutes."

The feeling of Dr Kleinman's two fat fingers stretching and probing both her holes was overwhelming. Melissa could feel her arousal building quickly now and she was having trouble fighting it back. Melissa was tensing her legs and arching her back more frequently, her release was getting closer. After a couple more of minutes of Dr Kleinman's fingers wiggling and pumping steadily, Melissa was almost ready to cum all over his hairy hand. She curled her toes and pressed her head back in anticipation. Melissa knew this climax was going to be big with the added anal stimulation but just as the first wave of pleasure was about to crash Dr Kleinman sudden stopped and removed his fingers.

Dr Kleinman: "Well that should do it. How does it feel? Is there any pain or soreness?

Melissa looked down in complete frustration to see Dr Kleinman smiling back. Did he do it on purpose? She thought as he slowly wiped the mix of her juices and the gel from between her legs.

Melissa angrily: "No, its fine now."

Part of Melissa was quite relieved that she didn't embarrass herself by cumming all over a stranger's hand but a bigger part of her was still wanting to be satisfied. After helping Melissa out of the supports and folding them back into the table Dr Kleinman handed Melissa a cup of water and a pill.

Dr Kleinman: "Well, Melissa here is your tablets. Take this one now and the next one later tonight."

Melissa swallows the pill with water and hands it back to Dr Kleinman.

Dr Kleinman: "There is one more thing I would like to discuss with you. Have you heard of the contraceptive implant?"

Melissa: "Yes sort of but isn't it expensive."

Dr Kleinman: "Don't worry about the cost the company will take care of it. It's a very simple and safe procedure. It will only take a minute and prevent you from getting pregnant for 5 years. It can be easily removed at any time and I highly recommend it. I have one here ready if you would like."

Melissa discussed the pros and cons for the next ten minutes before having the implant inserted into the back of her arm. It was quite painless and gave her a piece of mind.

Dr Kleinman: "Just remember it will take a month before its working. So for the next 4 weeks, you will still have to be careful."

With the end of the examination, Melissa sheepishly got dress as Dr Kleinman sat there staring at her the whole time. Melissa thought she could see a bulge in his pants but she wasn't sure if it was just the fabric or if he was excited. Dr Kleinman got up handed Melissa a small paper bag.

Dr Kleinman: "Here's your medication and there are also several tubes of the ointment in there as well."

Melissa: "Thank you"

Melissa followed Dr Kleinman to the office door before he stopped and turned to give her a kiss goodbye. Before Melissa could react Dr Kleinman had wrapped one arm around her waist and the other was grabbing a hand full of her toned backside. Melissa jumped forward in shock pressing herself into Dr Kleinman's body and she felt the unmistakable hard bulge in his pants. His hand gave another rough squeeze reminding Melissa her desire to release was still very present. Melissa tried to pull away but before she could do so Dr Kleinman planted his lips on hers, running his tongue slowly across them, before releasing her from his embrace.