The other experience with Carolyn's cousin, was quite different. Mary was just about my age, while Carolyn was maybe 6 months older, but it was the same summer. Mary and my parents were at our small rented house on a small but really nice lake, sitting on the porch overlooking the lake. Mary and I, both very good swimmers, asked if it was OK to go for a swim, as we had done many other times. Mary's mom said sure, but noted Mary didn't bring a bathing suit, and Mary immediately said she'd swim in her underpants, which she has once done before. I of course did have a bathing suit but decided if