Approach Niki.

You find Niki sitting back on a jet-black towel with her knees tucked in to push up against her breasts. You can see the bottom of her swimsuit squeezed between her cheeks and thighs as your eyes trail down, but you quickly look back up to her face. She doesn't notice your staring, as she's distracted by something in her hand. It looks like a small white bottle upon closer inspection, but the rest is covered by her hands.

"Oh hey there, Kyle," she says with a nervous smile.

"Hi. Enjoying the beach so far?"

"Yeah. I was just gonna put on some sunscreen since we'll be here for awhile, but I was thinking about how I won't be able to reach my back. Do you... mind helping me? It's a little embarrassing to ask."

"You can burn? Sunhearts have sun literally in the name."

"Of course I can burn, I swear! It takes a lot longer, but still. Are you gonna help me or not?"

"Sure. I can do that."

"Let me just do my front first."

Niki pops the cap and pushes out her legs before squeezing some of the white goop onto her palm. She puts the bottle down, and then rubs the lotion between her hands. Then, she begins sliding them up her smooth, dark legs. Her fingers push against the softness of her skin, kneading into the muscle as they reach her upper thighs. She slips her thumbs along the edges of her bikini bottoms, and then moves to rub all over her stomach. With what's left on her hands, she covers her shoulders, arms, and her face, leaving a faint layer of the lotion over her entire front-half, except for her chest.

She takes a deep breath and squeezes a little bit more lotion onto her palm and rubs her hands together again. Starting at her neck, she slides her hands down her collar bone, and finally over her firm, round cleavage. You watch as she struggles to hold back a kind of embarrassing sound as her slippery hands caress her overly sensitive tits. They trail around the fringes of the bikini top--chest now shining under the rays of the sun, and jiggling as she continues to rub it all in. She then rubs the rest together over her hands and wrists as she gazes back up to you with colour present across her face. You can tell the rate of her breathing has increased.

"You didn't have to watch the entire time..." she mumbles.

"I was just waiting for you to finish. What else was I supposed to be doing?"

"Just--Here! Take the bottle," she says as she hands it up to you. "Be thorough. I don't wanna get any burns."

Niki readjusts herself to lay down on her stomach--tits pressing against the soft woollen towel beneath her. She then reaches up to grab the back of her top, feels around for a moment, and then realizes it isn't the type that ties up on the back. It seems that she's more used to that design.

"You all right there?" you ask.

"Y-Yeah," she whispers. "Uh. Don't make a big deal out of this. I just need to uncover my back for you."

She lifts herself slightly up and fiddles with the golden sun between her breasts. You hear a clip be undone. She then brings an arm up to cover her hanging, bare chest as she uses her other hand to pull the top away and place it in the sand beside her. Then, she presses back down, now topless.

"Careful now. What happens if I run with this?" you joke.

"You better not!" She lifts her head to glare up at you, nearly revealing herself. More colour comes to her face as she lowers herself back down. "Just put on the lotion already, Kyle."