Over before it starts.

Amy is not the most cautious person. You are not the most coordinated. Water makes things slippery. These three facts together explain why things pretty much immediately go wrong when Amy tries to get onto your shoulders.

"Hold still!"

"I-I'm trying!"

Jumping up to put her hands on your shoulders, Amy was balancing with her foot in one of your hands, trying to lift her other leg up to where she would need to sit. She just about manages to hoist herself up when she slips back down with a yelp; you already moved your hand out of the way, thinking she was alright so as her foot comes back down it doesn't have anything else to find purchase on, sliding down your lower back until it catches on your waistband!

"Hey! Amy- "

"Hang on, almost got it!"

Apparently oblivious, Amy pushes herself back up, the damage done. With her not inconsiderable weight pushing down on it, you felt your shorts get pulled back from your body, baring your butt under the water which you hoped was murky enough to hide it. But as Amy kicks off to finish her climb, you feel stitches strain and pop, and the soggy material that had been clinging uncomfortably to your crotch goes slack. Your heart sinks as your underwear does as well, and you try to press your legs together to catch them, but it's a difficult prospect while also trying to keep balancing. Amy for her part is still unaware, and isn't exactly helping the situation.

"Woo!" she shouts, squeezing her thighs together around your head. Under different circumstances, you'd be loving this, but as it were, her excitement wasn't helping you keep a low profile, and being almost swallowed in her legs wasn't helping your own excitement stay under the waterline. "Come on! Let's get in there!" she says, trying to urge you forward.

Instead, you start shuffling backwards, into deeper water, away from the crowd. "A-Amy, you need to come down!"

"What? Dude, I just got up here! Where are you-- woah!" You jolt as you make contact with someone-you can't tell who, behind you. They seem fine, and swim off, but you're so shocked at the sudden contact (and with the worry that they might have noticed feeling flesh where they should have felt fabric) that you come to a sudden stop, sending Amy, who had already been leaning forward trying to direct you back to the fun, further off balance. She jerks backwards but overcompensates, and as your hands shoot up to her legs to try and stabilize her she's already falling. What's more, as you try to catch her, your hands only find purchase in the waistband of her panties; as bunched up as they might have gotten while she was climbing, they bunch up even further as she falls backwards while you keep them in place, and the ensuing wedgie doesn't last long under the **** as with a quick snap you find yourself holding nothing but the front half of her purple underwear.

As Amy splashes down into the water, you briefly forget your own modesty, turning around to try and help. She comes up a second later a slight distance away sputtering and flailing, but it only lasts a second; unfortunately for you, you already started darting in to catch up to her, only realizing your mistake in kicking off the bottom of the lake to swim as you feel the fabric of your own shorts slip off from around your feet. You're on tiptoes as you reach her, and can't quite match her joviality as she laughs and rubs water out of her eyes.

"Way to go, Sam! I don't think we could've messed that up better if we tried."

"Well..." you start, not wanting to break the news, but your eyes go wide as Amy starts to swim past you, her big, now-bare ass briefly breaking the surface as she begins a breaststroke. "Amy, wait!"

"What? Come on, I think we can still get into the next matchup if you're not to scared to try again!"

"Seriously Amy, look!" you say, glancing around before holding up the scraps of her 'suit'. Her eyes go wide before she starts glancing around through the water. Before you can stop her, she takes a deep breath and dives, clearly looking around for what's left of it, but catching an eyeful of something else as she looks in your direction. A burst of bubbles comes to the surface, followed by Amy resurfacing as your own hands shoot down to cover yourself. You're blushing about as hard as you ever have, and Amy, unusually, seems just as embarrassed for once.

"What the hell happened? You-- I-- how---" you try to get Amy to quiet down, glancing back to the other swimmers. A few of them had laughed when the two of you fell backwards, but it none of them seem to have noticed your wardrobe malfunctions-- yet. You interrupt Amy's stammering to explain what happened, and at the end of the brief recap she says exactly what you were about to say to her.

"Well, shit! What do we do now?"