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It was about two years after I was first invited to the girls' cottage on the lake that my life changed again, and it had to do with Mrs. Clarke.

Emily Clarke was a widow in her mid-70's, perhaps older, who stopped by on occasion to just say hello. Although a mile up the lake, we could see her cabin from the dock, especially at night with the lights on.

Sandy and Mandy thought she was a little strange. Every day from early May into October she swam laps in front of her dock for perhaps an hour. Early Spring the water temperature might have barely hit 50 degrees. It didn't matter, Mrs. Clarke was in the water.

Rumor had it that she swam naked, but no one had actually seen her.

This particular day we were in the water, naked, when we heard her drive up. Fortunately, the noise of her car on the long dirt road gave us all time to cover up.

Yes, after my first few trips, I didn't hesitate to go skinny-dipping with Mandy and Sandy. It just became part of our lake adventure. We'd bring our suits and towels with us to the end of the dock, then jump in.

"Hi, Mrs. Clarke, so good to see you. Anything exciting happening at the ...

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