The girls were hiking when they found a small stream with pool. It is hot and a swim seems just the thing. As the girls get into swim suits one is without a suit.
She the smaller raggedly one with banged knees is told by her big sister "you cannot go into the water mom said you will get sick" and
if you wear wet clothes home she will know".
She looks all around no one else is there, going to edge of water she quickly sheds all clothes including underwear. She slides into the water with big sister shaking her head.
The swim was heavenly, although short it feels so wicked. Getting out managing to get into clothes before being caught by others she is smug.
Going home , sis won't tell.
For a long time after each time she refuses to do something big sis wants her to do, out comes the necked swimming card.
"If you don't I will tell mom you swam necked!.
It is a long time before she decides it would be better to call the bluff.