She's nude, and neither she or her father mind

"Oh hi, Daddy," Penny walks up to her father still naked and with nary a care in the world, "you're home early!"

"Hi Dear," her father kisses each of her cheeks while she still holds the tray, "I assume you know this man?"

"Oh yes," Penny puts the tray down on the table to your left, "we girls were just teasing him earlier."

"Well, I trust you know what you're doing," her father admonishes her, "but do be careful!"

"I will, Daddy," Penny pours two glasses of lemonade and hands you one, before opening the sunscreen and squirting a dollop into her hands. "Care for some lemonade?"