Bad Choice.

This was clearly a test, Amy knew that much but the people on the beach behind her had started to take notice and she was panicking.
Her desire to be covered overruled her desire to think and be clever.
She ripped open the full bottomed bikini pulling it on quickly and finding it a decent fit, of course Master and Olivia would know her size.
Olivia opened the envelope and began reading. Amy noticed there was a decently thick stack of money inside the envelope as well.
"Bad choice: You receive one punishment point. Two if you're already covered before this line is read." Olivia shot her a bemused look scanning her body up and down with her eyes.

"Challenge: Ask random beachgoers if they'd rather you flash them your tits and get paid 20 bucks, or your pussy and get 5. Keep going until there is no more money left. You must flash for at least 5 seconds each time. The time starts when your bottoms touch your ankles or you top clears your breasts completely. Each time you fail to flash for more than five seconds receive another punishment point."
Olivia stopped, saying "There's more but you have to finish the challenge first."
Amy gulped and began scanning the beach for people to ask. Even as she felt the viberator inside her kick up a notch.
Amy wanted to die of shame, not talk to people!
The first person she approached was a girl about her age lounging in the sun. When Amy asked her if she'd rather see her tits and get 20 dollars or pussy and get 5.The girl looked at Olivia with her camera pointed at the scene and the blushing Amy shook her head and said
Neither perv. get out of my light."

After a few more unsuccessful attempts, Amy realize she had to change up her approach. She spotted a group of college students, 5 boys and 2 girls, hanging out under a bungalow in a much busier part of the beach.

She took a deep breath and asked the closest boy if they'd rather see her tits and get 20 or pussy for 5.
He looked like he'd just heard about a secret second Christmas.
"Tits please" All conversation stopped in the bungalow as Amy lifted her top.
She counted to 7 just to be sure she didn't go too fast. Then Olivia handed her a 20 dollar bill which she passed to the man.
Snapping away with her camera the whole time.
"What the fuck was that?" One of the girls asked.
"Is this for a website or something?" One of the boys.
Amy repeated her question with the attention of the whole group. And told them it wasn't for a website. "Yet" she heard Olivia mumble under her breathe.

The group was confused, but one of the boys immediately asked to see her pussy.
Amy blushed as she lowered her bottoms.
Once more counted to 7 and raised them back up.
While they were lowered one of the girls said "Dam she's soaked. Are you wearing a butt-plug?" Olivia made a tally mark, noting that Amy's bottoms never actually touched her ankles.
The group of students was wide eyed. The two girls wanted to know if they could get both at the same time.
The boys wanted to know if they could get a selfie.
Amy looked over at Olivia for guidance who simply shrugged.
Amy had enough wits about her to know this was a game. And so far she'd been punished once for being too conservative.
She hated it but she **** a smile and told them yes to both questions.
Soon 7 camera phones were pointed at her as she dropped her bottoms this time fully to her ankles and raised her top above her perky bust.
Before she could pull her clothes back on she suddenly had a boy under each shoulder while their friends snapped away.
The boys in question rotated a few times making sure everyone got a shot with her, then she was asked to bend over and pose for a few pictures.
After more than a minute She was finally able to redress.
The rest of the group chose an encore of her tits and more beer money. A large portion of the surrounding beach had seen what had just happened and soon Amy stopped having to approach people, instead word was spreading and she was being asked if she was the flasher handing out money.

Olivia's smirk was firmly affixed as she watched the reactions of people, some were shocked, others amused and even more seemed excited at the prospect of cash for a flash, it was clear that even if Amy passed the challenge, she would not be leaving the beach without a new reputation. It soon got to a point where Amy didn't even have to walk around.
The crowd around her just kept growing.
She was just trading five seconds on, five seconds off, on both portions of her bikini, up and down over and over. Posing for selfies. Olivia was steadily handing out cash. Comments continued to fly, her shiny jeweled butt-plug and how wet she was two of the major talking points in the crowd.

Amy bit back her arousal as the vibe continued it's **** on her sanity.
After about 10 minutes of this the envelope was finally empty. And the two girls began making their way back to the car. The crowd largely dispersing but a few people hung back and followed in their eyeline not sure the show was over yet.
They got back to the car and Olivia pulled out the note.
"Bad choice...blah blah, punishment points... Challenge, time... Ah, here it is. Once the envelope is empty and all cash dispersed...Add one punishment point per 5 minutes spent on the challenge."
Amy cursed wishing she had a time piece unsure how long it had been total.
"Add one punishment point for each request refused during the challenge."
Amy's eyes got wide, she had refused a few, mainly to get on all fours or to spread her ass cheeks/pussy lips.
"Add one punishment point for each person approached who refused to play."
Amy had no idea what her score was, but she knew it was a lot more than the 2 she had been worried about to start.
"Multiply by the number of points at start of Challenge."
And they'd just doubled...
"If final score is more than 20...Pick another Challenge:"
Amy's heart sank, knowing if anything it would be more humiliating than the last.
There were three remaining challenges. The Red Lace, The tanga one piece, and the bag with just a challenge inside.