Zoe's on top

You land hard on your back, Zoe on top of you. The flailing fall has caused her swimsuit to fall down to her ankles. Her huge breasts squish against your bare chest and your hard cock goes right between her legs. She clings to you out of surprise, her thighs squeezing your hard-on, eyes staring into your own. Then, her lip quivering...

She kisses you.

"Mmph?!"

You're confused, to say the least. Your first urge is to throw Zoe off of you, but what little rationality you have currently reminds you that this girl being on top of you with her pillowy thighs around your cock is keeping you covered from the people staring and starting to slowly gather. There was a delay, but... maybe this kiss is accidental? As you run out of air, you wrap your arms around Zoe's bare back for support, hands grabbing and kneading her hips reflexively. The action causes her to moan into your mouth.

Then, as she pulls away, there's a shy smile on her red face. "...Wow."

"...Yeah. Wow," is all you can say back.

Welp, you've got a naked social outcast on top of a naked and erect you in the middle of a beachfront street while on a school trip to Europe. What could happen next?