Amy–shy rich girl

As you walk inside, you see your new roommate, and all of her things. She certainly has quite a few suitcases, all full of clothes, and she's in the process of hanging them all in the walk-in closet. As she does, you get a good look at her backside. She's wearing a light grey blouse and tight jeans, showing off her small but toned-looking butt. You clear your throat and she turns around in surprise, her shoulder-length brown hair bouncing around in waves. Her blouse doesn't cut very deep, but you can see her small but pert breasts pressing against it.
"So-Sorry, I didn't see you there. I'm Amy," she stammers, extending her hand.
You shake it lightly. "Hey, I'm Skye. I guess we're going to be roommates."
"Yeah. Nice to meet you."

You spend the next hour unpacking and arranging the airy cottage to your satisfaction, while chatting with Amy. She comes from a rich family, is about your age, and shares your love of cheesy romance novels.
"I'm about done here, Skye," she says, "and it's still pretty early. Did you want to go swimming? O-or we could maybe go horse-riding? I'm really good and I can teach you. Whatever y-you want to do is fine too, though!"

You consider all of this. It's hard for you to go swimming without showing everyone what you've got down your pants, but it's a really hot day. Horses do sound fun, though.