Accept

"Sure." you reply, but add, "Unfortunately, I don't have anything to wear to swim in."

"That's allright. I don't mind having you swim...in your underwear, if that's what you want." Yuanji said.

You shrug before you undress down to your boxers, and while Yuanji wasn't looking, you removed them as well. You soon dive into the lake and swim towards her.

Yuanji, seemingly, unaware of you swimming naked, asks, "Are you a good swimmer? Because we can swim over to that waterfall. Underneath it lies a cove. It's a very romantic place for couples."

You reply, "Of course." Soon, both of you swam to the waterfall and dove beneath it, then went you emerge to the surface, you find yourself in a dimly lit but very tranquil cove, with a large stone-like surface nearby.

Yuanji sits on it and asks, "What are you waiting for? Come out of there and sit with me."

You end up following suit, and Yuanji's eyes nearly bug out when she notices your exposed length. "John, why are you swimming naked? I thought you would swim in your underwear." she asks with a small blush.

"I didn't want to get them wet, that's all. But...you wouldn't mind if we got closer. right?" you reply as you sit next to her.

Yuanji could only try to fight back her blush as she attempts to take her eyes off what was lying in between your legs. Unfortunately, she gives in and ends up removing her swimsuit as well, revealing her small yet pert breasts and feminine curves.

With a small smile, you lean in closer and sneak one of your hands in between her legs, causing Yuanji to gasp and look towards, but how should she react?