"Oh what the heck?" you think. "It's not like I'd be the only naked one." You strip off your boxers, letting the sun warm your balls and dick. Just as you get ready to jump in, a young mermaid pulls herself up onto the edge of the cove. She has light blonde hair and a silvery green tail. A thin trail of tails lead up to just below her breasts, which are small and delicate, yet oddly arousing. You walk over to her. She looks up at you as you sit down next to you, shivering slightly as your balls touch the cold rock. "Hi."
"Oh, hi," the girl says, startled, and extremely innocent. "I didn't...notice you."
"That's alright," you say looking out across the cove.
"Is this your first time here?" You look back at her as she asks this question.
"Yes, actually."
"I came her about a week ago. It still amazes me that this places exists and that they could turn me into," she runs her hands down her tail, "this."
"It does look pretty cool."
"I feel better than I have in years."
"How so?" you ask, lowering your voice.
"Well..." She looks down. You pull her chin up, slightly, then kiss her. After the kiss ends, she looks at you, then kisses you again, more passionately.