Nearly capsized!

After some relaxing and taking in the sights, I begin to zone out, then daze off as the day ends. I am awoken some time later by a wetness on my face, and the increasingly violent rocking of my small vessel. The distant storm clouds from earlier are now entirely filling the night sky, and lighting is seen crashing into the land nearby. I've got to get back to shore! This small boat won't survive such a storm.

Row as I might, the waves are getting higher and higher. The storms around these parts are rare, but they hit hard and fast when they come. I am taking on more and more water, and the bow of my boat is sitting closer and closer to the surface with the added weight. Just as a piece of driftwood is about to slam into my hull, the rain and waves suddenly stop. Well, they stop around me and my boat, in an almost spherical shape. The water seems to move on it's own accord, up and over the sides of my craft and back into the lake that they poured in from.

It is after this mythical event begins, I find what seems to be the source of the magical intervention, just above the surface of the water, feet from my small watercraft.

A Mermaid! A real-life Mermaid! I only thought that they existed in children's tales. Even in this land filled with magic, creatures of all kinds, monsters, and even Dragons, things such as unicorns or Mermaids still aren't believed to be real. And, unless I've just been hit in the head and am drowning at the bottom of the lake, hallucinating these events, there is a Goddess-honest Mermaid right off my starboard side, protecting my boat from the weather and water. She's casting some kind of magic, creating a sphere of calmness around me, the water under my boat having a glass-like stillness.

She notices my gaze, and approaches me uncomfortably close, her big tits still covered by her long blonde hair, which doesn't even look wet considering her underwater nature. It's like she's expecting me to say something.