We're in a secluded villa somewhere warm and sunny. It's hot but there's a light breeze and you're lying on a lounger by a lovely blue pool. You get me to come out of the water and rub some lotion or suntan oil onto you. I start with your back and give you a light massage too. Run my hands all over your back and shoulders, pressing and kneading sometimes, then down your sides and onto your hips. I give your butt a light, smooth rub then keep on going down the back of your legs, your knees, down to your ankles and feet, same as before, light massage.
I move back up now and I spend more time on your butt, sliding the oil on my fingers under the bikini and down, making sure I oil the insides of your thighs at the top and give your pussy a light brushing too. Then just as I'm about to turn you over you say, "No, carry on." So now I'm rubbing oil into your pussy from behind, the bikini's a bit of a hindrance but that makes it more erotic. I've squeezed them into a little bunch, exposing you, and I can run my fingers along each side. It's frustrating you that I'm not touching your slit, but you're enjoying it; sighing and whimpering sometimes. After a while I pull the bikini away from you so I can get my full hand under it. I'm stroking your butt and back with one hand, the other hand is playing with your pussy, running all kinds of patterns with my fingers but not penetrating. Just slipping around, playing with your clit and lips and the occasional foray inside. Now you're about basted and ready to be turned over. With your top already off, I slip some more oil onto my hands and start at your shoulders and arms. Then I slide my hands to your breasts, where I spend an unusually long time just massaging and rubbing because the oil provides so much slip. I use both hands, all the way round them, rubbing both nipples with the palms of my hands and a bit of tweaking with my fingers, while kissing you.
Then I rub your tummy and legs, but you want the main event, I'm sure, so now we're back to your bikini bottom. I rub oil all around the exposed areas and further up from the top of your legs under the bikini too. Then I take each leg in turn and slowly run my hand from your knee right up to your crotch a few times. By this time, your slightly puffy lips are out on each side of your bunched up bikini and I start rubbing oil into them again. I untie the sides of your bikini and peel it off, and then my hand goes to work on you in a big way whilst the other roams up and down your body.