Emma au naturel

It was so hot and being away from the coast seemed to make it more so, the heat was oppressive.
Emma decided to head to the river, cool off and laze about under the shade of a tree.
When she arrived it was quite obvious that many others had the same plan, she looked up and down the sandy banks and grassy areas for a nice spot. There seemed to be more space down one end so off Emma went. As she got towards the end there was a well worn track that headed through the bush that looked to open up again on the river, wanting to read and cool off undisturbed she pushed on and found a nice secluded spot that opened onto the river and offered decent shade - perfect.
Emma laid her towel out and headed into the refreshing water, swimming out confidently and settling into the routine of swim training she found so familiar from years before. She was aware of people around her so she floated toward the riverbank and looked around
"Well shit, everyone is naked" she muttered to herself.
She stepped out onto the coarse river sand and walked back to her spot, there were bodies of all shapes and sizes, all happily naked and enjoying the sunshine and water, Emma found herself taking a good look at all the cocks on display, there were some good sized ones there too!
She looked at one guy, he was in good shape, tall, toned, he looked like he was a tradie, fit and moved easily, and a nice sized cock on him too, she was having a decent look and then realised he was looking straight back at her.
"Ohhhh shit" Emma thought as she felt herself turning bright red from head to toe, she hurriedly headed towards her towel.
She giggled to herself as she lay there, that was so embarrassing she thought.
After she had dried off she grabbed her book, a cheesy romance novel, an escape from the required intellectual commitment of her IT work.
As she read the book her mind wandered, her imagination following the characters and their actions, there was some good steamy bits to this book and Emma found herself becoming turned on the more she read, her hand slipping under her costume and idly playing with her hardening nipples.
Emma looked around, her spot was quite secluded, the river being the only direct view to her and her spot faced away from prying eyes on the riverbank, she pulled her cossie down to her waist and played with her boobs, she loved the feel of them and her nipples were so sensitive, waves of pleasure rolled through her as she pinched and pulled at them, she abandoned her book and reached down to her pussy, her cossie wet from her excitement, she pulled it aside and spread her legs a little further apart, stroking her clit and feeling how wet she was, lying there almost naked in public she found herself really turned on.
She spread her legs wider and placed a finger into her pussy and played with her clit.
"This feels so fucking good" she said outloud, she pulled her cossie off and lay there completely naked, playing with her nipples, her clit and fingering herself, Emma was so turned on, her mind was drawn to the image of herself and what she was doing, " fuck yes, this is so hot" she whispered, her legs were spread wide, her grip on her nipples tightened as her pussy clamped around her fingers, a big deep orgasm shuddered through her body, twitching and shaking as her fingers touched her clit, as her orgasm subsided she looked around, the bush felt so welcoming, secluded, peaceful - she wondered why she hadn't gone naked outdoors before, it felt so liberating, and there is the nice refreshing river to cool off in too. Her gaze shifted to the water and she locked eyes with the tradie guy as he emerged from the water and headed directly toward her.
"Hi, I'm Jarod."