One time at the end of summer after tourist season was over when biking through the bush at a national park. I was trying to take in the scenery and be zen and just looking at a mountain then I heard some water splashing to my right at the lake and looked over to see a women that was in the lake come out and walk towards me. I stared at her for a few seconds before i realized she wasnt wearing a bathing suite, she was compeltely naked, i thought she just had a beige suit on at first. She walked towards me a bit then turned and walkd behind a bush and i biked off. I wish i didnt have terrible indigestion or i could have maybe tried something, but also i was very startled.