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Some of the discussion here raises the question; How long do you prefer your ENF scenes to be? Let's say on a scale from 1-5.
1 - A Sentence
>A girl emerges from the water only to find that her swimsuit has slipped and her nipple is exposed. She's able to fix it before anybody other than you notices.
2 - A Paragraph
>A girl resurfaces from a dive only to notice that her bikini top is floating on the other side of the pool. She has to swim by a few people to get it back.
3 - A Page
>A girl is dared by her friends to skinny dip a lap around the pool, possibly stealing her clothes while she's swimming and teasing her for a while before they're returned.
4 - A Chapter
>A girl is attempting the Male Swimsuit Challenge and spends the entire day at the beach topless, hoping that nobody notices.
5 - A Book
>After causing some damage to the swimming pool's supply closet, a girl has to work as a lifeguard to pay off the debts. But due to destroying all the spare women's suits, she has to work that summer naked.
These are just examples, you can probably come up with your own 'ideal' ENF situation and adapt it to one of the numbers above.