Move to higher ground

"I think..." He reaches an arm around you to manoeuvre each hand onto a breast. "We should move these above the water." He jostles them, squeezing gently. "You know, for safety."

"That's a really good idea!" You nod agreeably, letting your hand stroke along his cock as his kneed gently at your chest. "But where?"

He frowns, squeezing your breasts, looking down. "I'm mostly above the water, but your a little shorter, these might not be safe if you sat here..." He jiggles your chest. "If only you could sit in this spot only a little higher..." He frowns.

"Oh, I know!" Your grip momentarily tightens around his cock and he winced, but you ignore the crybaby whining that the half naked girl playing with his cock is holding on too tight. "What if I sat in your lap!"

You smile, not waiting for a response, and stand up, your hips just barely above the water, giving away your lack of bottoms, the jets hiding everything else. You cross in front of him, hand still on his cock, guiding it up between your thighs as you slide yourself down on top of his lap.

Your breasts stop just above the water. "There! Safe." You wiggle your hips, his cock pressing tight against your lips.