I was told a true story by someone I was chatting with, involving a boat trip, two girls, a naughty captain and a husband who couldn't keep his hands to himself.
The husband -- let's call him Charlie -- and the two girls had taken a boat trip as an afternoon adventure as part of a holiday they'd taken to a Caribbean destination. They'd passed by all of the large party boats were everyone seemed to be making a lot of noise and having a ridiculous time and chosen a smaller, smart looking boat with a gnarled old sea-dog as its captain. They'd chatted a while and figured that the captain could take them to more interesting places and maybe get them more involved in helping with the boat -- a bit more activity than just lazing around on a motor boat.
The girls -- Jen and Mary - were friends from a long way back; Mary had been invited to get over a bad boyfriend break-up and take some time to relax in a warm climate. Jen was the girl I was chatting to. She told me how they'd got on the boat and had a small drink of the local rum, then changed into their bikinis and swim-shorts as the day was warm.
True to the discussions with the captain, he was quite willing to let Charlie, Jen and Mary help get the yacht off dock and rig the sails ready to go where the breeze took them in the gentle air. Once they were clear of the harbour, the captain took his T-shirt off, showing that he'd spent plenty of time in the tropical sun; nicely brown and muscled from his outdoor activities. The atmosphere on the boat was very relaxed and the captain was handsome and seemed friendly. Away from the crowds on the beach and on the other "party" boats, Jen didn't think it would be a problem if she took off the top of her Wicked Weasel bikini and exposed her breasts. She didn't want to have tanlines and was very happy to get the sun and the fresh sea breeze on her skin. The captain and the husband looked appreciatively at Jen and smiled, then carried on looking at the sea and the sails so Jen didn't think any more of her nakedness. In fact, she rather enjoyed being so exposed and naughty and didn't realise how the strong rum was affecting her
The captain offered to show her how to steer the boat so invited her into the small space behind the wheel and put her hands firmly in position, standing behind her to give her clear instructions and putting his hands on hers to guide her as she moved the wheel clockwise and anticlockwise and felt the boat move gently to starboard and port (right and left!). Jen loved the feeling of being in control, even though she knew it was the captain who was in command. She sensed the confidence of the captain through the pressure of his hands on hers and felt the warmth of his body behind her, gradually recognising that she was getting turned on by the rum, the captain's presence and her husband and girlfriend watching her, her breasts gently toasting in the sunlight.
In the conversation I had with Jen, I imagined that the naughty captain was me, as I heard how he took his hands off hers and pulled the bottoms off her, exposing her arse to him and exposing her bare pussy to her husband and Mary. Charlie looked on as Jen was revealed and not only said nothing, but beamed with delight, knowing that they both enjoyed being daring in public, even though this was a more intimate setting.