Search for the top.

You peer around yourself some more, and then decide to move deeper into the water. The river curves, where a formation of rocks reside. They protrude into the water like a natural wharf, and it serves as a place for people to climb, sit, relax, etc. Though nobody is there now, you hear voices, and spot two figures speaking a distance ahead of the rocks. Thankfully, as long as you stay in the water, they should only see you as a swimmer and nothing more. You still do your best to find that bikini top before anybody notices you're lacking it.

That's when you see it. On the rocks, a pelican sits with the strings pinched between its beak. The bird has your top! You swim to the edge of the formation, though it's too far to reach. You shoo the bird, and it flies away. Thankfully, it leaves what it had in its mouth behind. On the downside, it's still too distant to grab with your hands without fully leaving the water, and not that far away are the two figures.

You could climb out, topless, and quickly grab it. But if the two people saw, it would be humiliating.

There is only one solution unfortunately. You reach out your hand, and start climbing up onto the rocks. They feel hot against your half-naked body, but you stay low, hoping not to grab anybody's attention.

"Hey. How're you doing over there?" a voice says. Your heart skips a beat.

Before you can react, you see two young men, probably just a bit younger than you, look directly at your awkward position. As they come over, they catch you with your cleavage pressed tightly against the surface of the rocks. The boy who spoke's eyes widen at such an amazing sight. Though you're technically covered, it's not by much. Seeing you squeezed against the ground is probably just as thrilling as them seeing your tips.

Unable to reach the top, you dunk straight back into the water--covering your bust with an arm.

"Woah... Did you lose something?" the same boy continues, while the other stays silent. Though, both of them stare.

He leans down, and picks up your top. It hands tantalisingly in his grip, closer than before, but now farther than ever. "I have a feeling you'll need this, huh?"

You plead for him to toss it to you.

"I don't know. What's in it for me? I think I'm in a better position to negotiate, don't you?" Like a pendulum, he swings the fabric left and right.