It was a beautiful day at the beach.  You really couldn’t have asked for a better day if you tried.  The sun was bright.  Not a single cloud could be seen.  The water and weather were a perfect temp.  But best of all, it was a Tuesday and no one else was really at the beach.
      Arianne, a pretty young cougar loved going to the beach when she could.  Living so far away from it though made it difficult to actually to go.  Normally they would take a trip during summer but this time they were going in late spring.  
      Their parents were given something called a “Time share” and this was the only week they had to actually take advantage of it.  Since it was considered the off season as her parents had explained the resort and beaches were all pretty deserted.  But that suited her just fine.  More beach for her!
      As part of this Time Share thing, their parents had to attend a meeting of some sort.  Luckily for her and her brother though, they needed no such thing.  Instead, they were given permission to go out to the beach as long as they stuck together.  
      Kicking her feet through the sand gleefully, she and her brother Kurt trudged through the sand.  She in a flowing and flowery yellow sundress and him wearing his swimming trunks and t-shirt Finding a suitable place where the sand was flattest and nearest to the water line the felines set up for their beach day.
      With a sigh Arianne flopped onto her seat and stretched long and luxuriously.  
      “Ahh!  Feels so good to finally be out on the beach!”  Arianne cries.
      “Yeah.  Just wish there were more people out here though.”  Kurt comments sitting on his own chair.
      “Nah, this is way better.  We get all of this to ourselves.”  She replies cheekily and spreads her arms out expansively.
      “Yaaaay…  All this sand to get not my fur.”  Her brother replies rolling his eyes and flattens his ears.
      “Oh, come oooon.” She groans.  
      “Just think it would be better if there were more… you know… GIRLS.”  He shrugs.
      “Girls?  Who needs girls when you have your sister?”  Arianne demands in joking manner.
      “YEAH.  That’s WAY better than a cute girl my own age.”  He replies dryly.
      “Oh hush!”  She laughs and tugs on his arm.  Let’s go plaaaaay!”
      “Fiiine.” He groans dramatically allowing her to pull him up and towards the sea.
      Once at the shore Arianne allows the foamy water.  The cool water of the ocean washed over her footpaws and sends a chill up her spine making her puff up a bit.  The water was cold, but not TOO cold.  Her bother was doing the same looking rather bored when an idea comes her head.  With a mischievous grin she waits for the next rush of water over her feet before suddenly kicking out sending a shower of water at her brother.
      “H-hey!”  he cries out in shock as he is showered with water.
      “Na! Na!”  she giggles sticking her tongue out and kicks water at him and runs away as best she can through the tide.  The game was on!
      Not missing a beat her brother was brought into the game and attempted to retaliate.  The two laughed and gasped as the cold water was splashed against each other.  She was partially regretting not taking off her flowing sun dress since as it got wet it made moving a bit more difficult.  But on the other hand, it might be keeping her warmer too!
      Since trying to splash his sister back was failing Kurt suddenly came up with a new more efficient way to get his sister back.  Running after her and ignoring her splashes he manages to finally catch her and lift her up as best he can.  Arianne for her part squirmed and play screamed in protest realizing what his plan was.
      “N-nooo! Hehe!  Th-this isn’t fair!”  She giggles, trying to avoid the dunking she was sure to receive.
      “Sorry sis, you started this and I’M going to finish it!” he grunts as he tosses her into the deeper part of the surf as gently as he can.
      The cold ocean water instantly engulfed her right through her fur as she hit the water.  A gasp escapes her mouth as even her head slips under the waves making the sudden shock of the cold water more pronounced.  Luckily her butt touches the sandy floor just as she is dunked under the water and is up on her feet.  
      Gasping and spluttering a bit she laughs and brushes her hair out of her eyes.  Once she can finally open her eyes, she notices that the grin on her brother’s face had gone.  In its place was an odd look of concern.
      “Ari…  Do you have your swimsuit on under your dress?”  He asks slowly, still staring at her.
      “Huh?  Yeah.  I put it on.  Why?”  She asks looking down at herself before freezing.
      The dress was totally soaked through now after her dunking.  The thin yellow fabric was plastered to her body clearly defining every curve of her body.  Worse yet, the thin fabric had become practically see through.  Her young almost tabby fur pattern was almost perfectly visible as was her light pink nipples which pressed into the fabric standing at attention.  Not only that, looking lower you could see her underwear and they were clearly NOT bikini bottoms.
      “EEEEK!” she cries out and plunges back into the cold water.  Trying to salvage some modesty.   
      “H-how did you manage to forget to put on your swim suite Ari...?”  Kurt asks after a moment.
      “I-I don’t know!” she snaps back, her cheeks burning with embarrassment.  “P-panties and bikini bottoms feel the same!”
      “But… didn’t you notice you were not wearing a bra?”  Kurt asks.  Ari starting to hear amusement breaking through the strain.
      “TH-THIS ISNT FUNNY!”  Arianne snaps at him, nearly in tears.
      “Sorry Ari, but it’s kind of is.” Her brother chuckles and offers her his paw.
      The cougar blushes more looking at his paw and gives him a suspicious glare.
      “Weren’t you the one who suggested that you were as good as a girl my own age?” Kurt teases.
      “Th-that was a joke!”  she whines but takes his paw and allows him to help her back up but keeps her arm across her chest.
      “Here.  Let’s go get your towel.”  He chuckles and escort her back to their seats. 
      The two-siblings sat in an awkward silence for a while.  Arianne’s mind filled with the fact she had basically just exposed herself to her brother.  And that for some reason made her heart race.  
      Her belly felt like they were in little knots as she pictured his face when he first spotted the fact that she had basically been naked.  The more she thought about it the more her cheeks burned and the more she felt something weird inside.  Almost like butterflies in her belly.  
      What’s wrong with me?  She thought to herself.
      “So uhm… I was thinking Ari…”  Her brother suddenly, breaking her out of her revery.   “You know… wearing a bikini is basically like wearing a pair of panties, right?  Soo, you could just… I dunno… take the skirt off and we could just keep playing.”
      “Y-you want me to run around in just my panties”?  Arianne asks dumbfounded.  Her cheeks burning as her furr despite being soaked tries to stand up.  That weird feeling in her belly only got worse.  Was she really liking the idea of this!?
      “W-well yeah.  Mom and dad would probably have us stay if we went back now.  It would be a waste of a trip you know?  And uhm, you were really looking forward to spending as much time here, right?  We should just make the best of it.”
      “B-but I’d be running around in just my panties!”  she points out.  “A-and no top.”  She adds nearly as an afterthought.
      “Sure, panties and bikini bottoms are basically the same thing.  And you’re young enough that even IF someone showed up, they wouldn’t say anything.  Not like your chest is very developed.”  He reasons, slowly getting more confident with his suggestion.  Clearly warming up to the idea.
      “I-I’m not THAT flat!”  Arianne retorts with a blush.   It was true that she didn’t have MUCH of a chest, but she was CERTAINLY developing.  And had developed enough that her chest would be noticeable.
      “That’s hardly the point.”  Kurt chuckles.  “You are still young enough to get away with something like this is my point.”
      “B-but just my panties...?”  she asks, still struggling to work out just what she wanted to do.  And using the modesty point as a sticking point.
      “Well yeah.  Unless someone REALLY looked, they probably wouldn’t know.  Again, it’s basically the same thing as a pair of bikini bottoms.”  He points out again before grinning and says, “But if it’s that much of a worry you could just go around naked instead.”
      “NO!”  she practically yowls.  Her cheeks on fire now and those butterflies suddenly turn to bees.”
      “So then, panties alone?”  
      Arianne open and closes her mouth a few times as she thinks.  He DID make some good points.  If they left now to go back to the hotel and get her proper swimsuit their parents might be back and just tell them to wait to back until tomorrow.  He was ALSO right that panties WERE similar enough to bikini bottoms that it was hard to tell the difference.  And it wasn’t like there were many furs around…
      The more she thought about running around the beach in her panties alone the more she realized how excited it made her feel.  It would be so… naughty!  That it was really appealing!  The thrill of possibly getting caught, and her brother seeing her… 
      “O-ok!  F-fine!  You win!” she finally says after a moment of silence.  “B-but if anyone asks, I’m telling them this was YOUR idea!”
      “H-ha-ha.  Deal then!”  her brother replies, sounding a bit nervous.
      “O-ok then…. H-here I go…”
      Standing up Arianne grabbed the bottom of her still soaked sundress and stopped.  Her mind started to race a bit as she tried to steel herself.  But she just couldn’t seem to do it!  It was one thing to talk about running around the beach in her panties alone.  It was a totally different thing to actually DO it though…  Especially with your older brother nearby.
      “I’m waiting” her brother teases.
      “Sh-shut up!  I-I’m just taking my time is all!” she retorts.
      “Uh-huh.  Well, if you want time to play in the water, you’ll need to take it off soon Ari.  At this rate it’ll be dark by the time you take that dress off.
      “O-ohhhhh!”  squeezing her eyes shut she yanks her dress off in a single fluid motion.
      The moment she felt her dress slide wetly off of her body the moment she felt MUCH warmer.  The suns warm rays felt amazing on her wet fur, warming her up instantly.  Honestly it felt REALLY nice.
      “There!  That isn’t so bad, is it?  Bet you were getting cold wearing that wet dress.”  Her brother smiles warmly.
      “I-I guess you’re right.”  She huffs, her arm snaking across her chest again.  “L-lets go play!”  she says after an uncomfortably long pause from Kurt.
      As uncomfortable as she thought running around in her panties alone would be she quickly stopped thinking about it.  It really was basically running around without her bikini top on.  And soon she wasn’t even thinking about it at all.
      About an hour later the siblings leave the water to eat a quick lunch they had brought.  Before they left the water Kurt stopped her.  
      “Hey, let’s take a picture first!”
      “Oh, sure!” she says brightly as he runs off and quickly comes back with his phone.  As he aims the camera she blushes lightly and waves to the camera.  Something was nagging her.  
      “Heh.  I guess you didn’t take long to get used to running around topless huh?”  her brother teases after snapping a pic.
      It was then she remembered WHY she suddenly felt so self-conscious.
      “H-hey!  D-delete that picture!” she cries out.
      “WHY?  You didn’t seem to be too bothered about it a moment ago.”  He laughs.
      “B-but!”
      “But what?  You obviously don’t mind, otherwise you wouldn’t have let me, right?”
      “Y-you tricked me!” she huffs and stomps past him.  Her belly butterflies back with a vengeance.  
      “Hold up.  I’m sorry Ari.  I didn’t think it would bother you.  You were running around for the past hour as if nothing was different.  I just thought you would be ok with it.”
      “I-!  I-its ok… I just… forgot.”  She mumbles, her cheeks heating up.
      With that she ran away to their things and pulled out her sandwich and drink.  Both siblings ate quietly lost in their own thoughts.  Arianne for her part was confused by the weird feelings in her belly.  It wasn’t a bad feeling, but she couldn’t really understand them either…
      It wasn’t long after though that something else started to bother her.  Something more pressing…  As they sat there, she couldn’t help but feel uncomfortable.  Not because of her brother, but the wet panties and how they were chaffing against her skin beneath her fur.
      Each time she moved the worse it got, the soaked material not only rubbing her skin but also tugging her fur, making it more and more uncomfortable.  To make matters worse the salt in the water seemed to cling to the fabric and practically cut into her skin.  As they both sat there, she kept fidgeting and trying to adjust her panties in a more comfortable way.  Eventually her brother couldn’t help but notice.
      “L-look I’m sorry ok!  I didn’t think it would bother you so much.”  He bursts out.
      “N-no!  It’s not that!” she retorts, blushing not wanting to tell her brother her newest problem.
      “Then what’s wrong?”  He asks curiously.
      “F-fine…  It’s my panties, ok?  Their starting to chaff me really bad.” She groans.
      “OH… Well, I uh.  Have a suggestion.  You don’t have to do this if you don’t want to.” He says, suddenly sounding nervous and making her feel nervous herself.
      “Wh-that is it?” she asks.  Those butterflies getting worse.
      “Well, I was just thinking.  Maybe you should just take your panties off too.”  He says quickly as if making himself before his thought better of it.
      “T-take them off?  A-as in go around naked?”  her cheeks practically catch fire at this.  The butterflies turning to bees again in her belly.
      “Y-yeah!  Were the only ones around here anyways.  L-lots of furs our age goes skinny dipping.”  He replies, suddenly getting confident again.
      “Skinny dipping??”  she asks inquisitively.
      “Yeah.  It’s what it’s called when you go swimming naked.” He replies.
      “B-but why??”  she asks shyly.  It was one thing to go around topless.  But totally naked?  She wasn’t sure if she could do that…  That was WAY too naughty sounding.
      “Because?  There still isn’t anyone around here but us.  And you don’t want to have to deal with your skin getting rubbed too much worse right?”  He points out.
      “Well yeah, but….”
      “Hey, it’s not like I haven’t seen you naked before.”  He points out.  “We used to bathe together, right?  And you’re my sister!  Not like I WANT you naked.”  He continues.
      For some reason hearing that last part bothered her and her butterflies slowed own.  Ignoring that though she felt it was necessary to point out to him instead that they were way younger when they last bathed together.
      “Yeah, but your still my little sister.  So that makes it ok right?”  
      Arianne was quiet after that for a moment.  It was true they were siblings, and that they were still quite alone.  And she wasn’t ready to back to their room yet either!  Plus, she felt a similar rush at the idea of running around naked like she felt at being in her panties only.  
      “F-fine!  But only this once.  AND IF YOU TELL MOM OR DAD ILL TELL THEM YOU MADE ME, DO IT!”  She threatened.
      “Ok ok!” her brother chuckles holding up his paws.  
      Once ready to go back swimming she stands up and blushes as she slips down her panties.  Her cheeks burn as they fall around her ankles and feels the warm rays of the sun touch her privates.  Her tail almost immediately culls up between her legs cover them again.  But as embarrassing as this was, she had to admit it felt really nice too.  Almost free, maybe it would be ok to let her tail fall?  
      “Hey Ari!”  Kurt calls taking her attention away from her revery.  
      Looking up she saw her bother was on his phone.  Glaring at him she was about to yell at him for taking nude pics of her before he simply told her that their mom and dad had texted him.  They only had about 30min before they needed to go back.
      Forgetting all about her suspicions she lets out a loud, “Aww!” and practically drags him back into the water for more fun time.  For the rest of their time, they scoured the surf for anything neat.  Shells, odd rocks, etc.  Kurt even found a shark’s tooth leaving her VERY jealous.
      Suddenly Kurt’s phone went off telling them they had to head back now.  Sighing Arianne headed back to their items with their finds.  Setting her things down she helps Kurt pack up their towels and chairs.  Once done Kurt gives her a side long glance smirking.
      “Heh, you’re a natural nudist aren’t you Ari?”
      “Wha-?”  Her cheeks flare up as she realizes that she had done all of that still totally naked.  She had to admit that being in the fur felt so natural she hardly noticed.
      “Th-that’s! WHY are you staring me!?”  She counters back, too embarrassed that she felt so comfortable naked.
      “I wasn’t, but you are very pretty.  So, it’s hard not to notice that.”
      Arianne stopped dead, her cheeks burning and her belly filled with butterflies again.  Her jaw hung open as she stared dumbly.  She wasn’t expecting him to compliment her like that.  So taken by surprise she could only gape at him.
      “If you keep your mouth open like that a bird is going to make its nest in your mouth.”  Kurt bursts out laughing.
      “Th-that’s not!  Th-this your fault!”  she pouts.
      “I’m just saying Ari.  You really are pretty.  Should I apologize?”
      “N-no…”  She pouts, feeling confused about how she should feel.
      “Before we go do you mind if I take a picture Ari?”
      “WH-why do you want a picture of me naked?”  she stammers, her confusion deepening.
      “Just so I can remember this day.  It was a lot of fun.” He replies simply.
      Her mind simmers down due to the simplicity of his answer.  As embarrassing as it was, it HAD been a fun day!  Even if she WAS starting to feel very weird about her brother…
      “F-fine! Just one!  And you had BETTER not share it with anyfur.  Got that!” she says dangerously.
      “I got it. I got it Ari.”  He laughs.  
      “S-so how… uhm… how do you want me to pose?”  She asks shyly.
      “Just smile and wave.  I want to remember how happy you were today.”
      Blushing darker at his sweet comment she does as he asks and waves as he snaps a picture just before her tail curls between her legs again of its own accord.  
      “O-ok!  You have your picture.   P-perv…”  She quickly grabs her dress and quickly puts it on before he can think of anything else weird.  
      Thankfully the dress was mostly dry and she would be spared walking through the hotel with her body on display.  The walk to the hotel was uneventful and both siblings were back to their normal bickering by the time they got into the room
      “Hey kids, enjoy yourselves?”  Their dad calls as they enter the room.
      “Yeah, it was fun, wish we could have stayed longer.”  Arianne complains.
      “Well tomorrow we can all go down together then.”  Their mother says to placate her.
      “We have a dinner to go to now though.  So, get washed up you two.” Their father says.  
      Before she can make a move Kurt dashes for the bathroom and closes the door.  Arianne rolls her eyes and goes out onto the balcony to enjoy the weather a bit longer and to enjoy the site of the ocean from her elevated position.  Luckily her brother took short showers and in short order she heard the door open and him call out to her.
      “Ok, it’s your turn Ari.”  He says stepping out next to her.
      Standing up she turns to go inside when a sudden gust of wind hits her.  Both she and her brothers’ eyes go wide as she suddenly remembers that she had left something on the beach.  As her dress is lifted by the gust, she feels a sudden chill on her bare damp mound.  
      She was never going to be able to marry now…