Warning: this story is a fantasy and details sexual behaviour that is, at best ill-advised. But it is pretend, so so long as you aren't a doofus, you should be ok. All sex-acts described are within ages of consent in the country it's written in (England, for the record).
I'll try to keep the parts and the action coming!
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19-year old Natalie considered simply rolling on top of her 23-year old step-sister and starting to kiss her, reasoning that Penny had started it with her discreet fondling. However, she really wanted some serious sexual satisfaction, and there was the risk that Penny would be scared off by her aggressive needs. Then, as another need arose in her, a new plan hatched. Carefully snuggling alongside the dark-haired girl, Natalie lay on her side, her front against Penny, so her hot pussy was pressed against Penny's hip. Penny stirred slightly, and her brow furrowed as she was awoken by the closeness of Natalie. This was ideal for the younger girl. She closed her eyes, held her breath and relaxed fully. Almost immediately, she began to pee (thinking nothing of Hannah's sheets!). The warm, yellow fluid fanned out across her inner thigh and trickled down the crease between her thigh and bottom, pooling beneath her in a spreading damp patch. Her piss soaked her pyjamas and, as planned, from the contact of her pussy and the pool she was laying in, began to soak Penny too.
As soon as she felt the warm wetness under her bottom, Penny came fully awake. She was momentarily confused, then realised what was happening -- Natalie was wetting the bed. Sitting up, she touched Nat's shoulder to wake her and opened her mouth to speak. However, before she could draw breath to say a word, Natalie's eyes opened wide and she seized the older girl around the back of the neck, pulling her down to her face where she kissed her full on the lips, aggressively, sexily, her tongue pushing into Penny's mouth. At the same time, Natalie rolled on top of Penny, pushing her back onto the bed, and still pissing, so that her step-sister was as thoroughly soaked with warm pee as Natalie was.
Penny squirmed under the curvier girl, trying to break the kiss. Her mind was whirling and her heart pounding. Natalie was grinding against her and Penny was all too aware that despite this incredible situation, despite the shock she was in, she was more turned on than ever. Natalie's heavy breasts were a thrilling pressure where they pressed against her own, smaller tits. Her young sister's tongue and lips were locked in a passionate kiss with her own. And, although she knew she should have been disgusted, something about Natalie deliberately wetting the bed, deliberately pissing on her, was making Penny's pussy ache with desire.
It was Natalie that broke the kiss, and lifted herself onto her elbows, looking down at her step-sister with shining eyes. Licking her own lips seductively, she ground her piss-wet crotch against Penny's as she stared at her.
"Natalie, what...what..." Penny could not form a coherent thought. This was so, so wrong. She'd grown up with Natalie, as sisters, and now they were in a piss-wet bed together, and Penny was acutely aware that her step-sisters pee wasn't the only reason that she was wet between her slender thighs.