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I expected my Mother in Law to explode, but surprisingly she just beckoned with her finger for me to come and stand in front of her. I couldn't help noticing Debbie had a wicked little grin on her face. She knew I was in trouble and was obviously pleased with this little development.

I took the few small steps until I was standing in front of the four seated adults. If I had felt like a teenager earlier when playing in the rocks, I now felt like a ten year old.

'Do you know what happens to my Daughter in Law when she disobeys an order.' Jane spoke quietly but with authority

I closed my eyes in shame 'Yes Ma'am'

'What happens?' Jane was going to drag it out of me.

'She gets punished Ma'am'

'Correct. She certainly does. Now unless you want a double dose I suggest you strip off real quick and join the kids in the lake. We will deal with our little problem later.'

I could not believe how dumb I had behaved. I had let my modesty get in the way of my good behaviour. I could have kicked myself. If I had just gone for the swim in the first place I would not have set myself up for a punishment.

I went to walk over to the rocks a few yards away to get some privacy but Jane intervened. 'Get undressed right here girl. We are not going to sit around here waiting all day while you throw your tantrums'

My ears burned. As quick as I could I lowered my jeans, revealing my pink lacy thong. Then I pulled my tee shirt off in one movement and quickly dashed towards the relative safety of the lake.

'Kym, you come back!' my Mother in Law barked

I froze mid-step, turned, and took the long walk back to where Jane, Ben, John and Debbie were seated on the sand. All sets of eyes seemed to be soaking up my semi-nudity.

'What is that you are wearing?' Jane was pointing at my knickers

'It is my thong Ma'am' I looked down at the sand to hide my embarrassment.

'Is that appropriate wear for a ranch?'

I badly wanted to raise the point that when I dressed in the morning I had not given any thought as to what activities I would be doing during the day, but I well knew that a respectful Daughter in Law does not argue the point.

'No Ma'am'

'I think not' Jane waved me away, having made her point. I turned and headed back to the lake. As I looked out to the water I realised that both Rachael and Troy had stopped swimming and were ogling my semi-nude body, seemingly disbelieving I would be brazen enough to go swimming in only a lacy thong.

Although the water was cold I was thankful for the protection it afforded me from prying eyes. I tried to relax and play with Troy and Rachael, but I found it hard to put the thought of the upcoming punishment out of my head. As always, the anticipation whipped my contrasting emotions up to fever pitch, and my body began to feel warm despite the cold water temperature.

Not surprisingly I did not want to leave the safety of the water, but all too soon John was beckoning for us to come ashore. Troy and Rachael bounded out of water and joined the others, where Debbie had a couple of towels waiting. Due to my reluctance I took my time exiting, which was probably a mistake as by the time I left the water all sets of eyes were firmly focused on me.

Due to the cold water I had goosebumps and my nipples were hard. But the worse part was the water had sucked the flimsy material of the thong into my pussy lips, which meant the contours of my vagina were clearly outlined. I made a beeline for the towels.

Jane pulled me up short. 'Are you wet young lady?'

I stared at her mortified, but when I saw the big grin on her face I realised she was playing with me.

'Yes Ma'am, the water was very wet' I hoped Rachael and Troy had no idea of the double connotation, although it was not missed by Debbie and John who both joined in on the joke

'Well, you can stay wet until we have dealt with you young lady.' Jane was right in her element and playing me like a fiddle. This last comment certainly wiped the smile off my face.

Young Rachel and Troy both gave me a curious glance, obviously wondering what on earth was going on. They finished drying themselves and redressed, which only served to make me feel worse as everybody was now fully clothed and I was standing there dressed only in a skimpy thong and dripping wet. I nervously nibbled on a fingernail while my other hand covered my breasts from prying eyes.

Jane held out her hand towards me but said nothing.

'What?' I did not know what she was referring to but feared the worse.

'Take off those disgusting things that you think pass for panties'

I was right to fear the worse. My eyes scanned the excited onlookers. Troy looked like he was about to cum in his trousers and was probably glad he was no longer only wearing boxer shorts.

As is so often the case recently, I hung my head in defeat. With trembling arms I gripped the sides of my thong, lowered them to my ankles and stepped out. I then scooped them up off the sand and passed them to the waiting hand of my Mother in Law. With little effort she tore the thong in half and placed the remains in her pocket. I briefly thought that this was the second pair of knickers I had lost this trip, and at this rate I may well run out before the weekend is up. However I struggled to see the funny side of my own little wittism.

When I stood up and handed my thong to Jane I had one hand covering my pubic region, while the other arm again covered my breasts once I had handed over the thong.

'Naughty young ladies do not deserve to hide their modesty.' Jane's eyes were piercing straight through me.

I knew what was coming next, and I am totally ashamed to say I felt a degrading bolt of sexual excitement flash through my body.

'Assume your position young lady'

Even though I knew it was coming, my Mother in Law's command still hit me like a hammer blow. It was so humiliating for me to be asked to do this in front of all these people, standing beside a lake and dripping wet. But especially in front of Rachael and Troy, who were only teenagers and 11 years younger than my 29 years.

I inhaled several very deep breaths as I worked up the courage to do what I must do. Slowly I raised my arms, placed my hands on my head, pushed my elbows back and thrust my breasts forward. I even sucked in my tummy and filled my chest with air in an attempt to swell my breasts out even more as I was only too aware of the fact that they are smaller than young Rachael's. Very much a female ego thing.

I then started opening my legs, sliding my feet along the sand as I did so. I did not stop until I had my legs splayed as wide as they could go, as I did not want to have to suffer the extra indignation of being directed by my Mother in Law to open them wider. When I was finally in position I looked up at my audience. Rachael had a look of pure shock on her face, much as her older sister had when she first witnessed my little act of total surrender. Young Troy could not believe his luck, and was clearly ecstatic at this unforeseen turn of events. I bet he never thought for a moment that a simple horse-riding trip could have ended up in such an offbeat erotic manner.

The other men, my Father in Law and John, were also making no attempt to hide their pleasure that a young lady was performing in such an overtly sexual manner in front of them, displaying all of her private parts. It mattered little to Ben that the woman was his son's wife.

For my Mother in Law and Debbie I think it was the intoxicating pleasure of being able to wield so much power over another female. Akin to training a pet poodle, yet a lot more fun. I noticed Debbie whisper into Jane's ear, and Jane nodded in agreement.

Debbie went and sat on a rock, and I knew what it was they had agreed on.