The most exciting sexual encounter I ever had was with a neighbor twenty-two years ago. I was just married and had bought a new house in March. In July, I was mowing the lawn shirtless. She was sunbathing in a bikini. Later, she told me that she was forty years old. I was twenty-seven. When I passed close by the fence to her yard, she waved and said hi. After I stopped the mower and returned the acknowledgement, she said, "Please come over and help put some suntan lotion on my back." I jumped the fence. Before I started to apply the lotion, she offered me a stick of chewing gum. I jokingly said, "Hmm, is this a suggestion?" She replied, "Maybe." Then she said that her husband and kids were away for the week in another town vacationing. She was lying face down and unhooked her top piece. I started with the lotion at her shoulders and continued down her arms and back. She was "ohs and ahs" the whole time. When I finished, she asked me to apply the lotion to the back of her thighs and calves. When that was done, she suggested we move to her sundeck where it was more private. She hooked up her top and we moved to the deck. This time she asked me to apply the lotion on her front. By then I was excited and had an erection. She laid down on her back, unhooked her bikini bra, and let it just laid across her breasts. So, I knew she was game. I started on her belly with the lotion, and as I moved up her body, I just pushed her bikini top aside. She didn't object and continued her "ohs and ahs" of enjoyment. I started to massage her breasts, still no objection. I bent down to kiss and nibble her nipples. She suddenly sat up and said, "Let's get inside." Once inside, she leaned to kiss me, and I reached down inside her swim suit to discover that she was soaking wet. She said, "Have you ever tried a waterbed?" Of course, I said, "No!" Well, she was the loudest woman and most enjoyable partner I ever had. The fact that both of us were married and I was cheating for the first time added extra excitement. We had a second session a week later. But, that was not as good as the first time, so a third time never happened. She later divorced her husband and they sold their house. Years later, I ran into her. We went for a beer. During this chance meeting, she said she was then a prostitute and offered to have sex with me for money. I was shocked and declined.