A: Dear In The Headlights

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Fred: When I was washing up, I kept fretting about what I'd do if she... came down there, and... and... wanted... something... and then I started thinking about how much I...I wanted that to happen...

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Fred: ...how she would catch me in the water, and when I demanded to know why she was there, she would just smile slyly at me, with her eyes half closed...

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Fred: ...She would pick up my clothes and move them further up the bank, then drop her own on top of them, standing there in the moonlight just as the Gods had made her... smiling invitingly at me...

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B: Fantasy Creature

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Fred: —Then she would slip into the water and glide over to me with barely a ripple... I, however, would be desperately trying to pile the water up in front of me...

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Fred: She would run her fingertips up my arms and down my chest, then around behind my shoulder, drawing me into her embrace as she teased my lips with her nose and tongue. Then she—

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Fred: Oh, go get your own fantasy!