"If you were to come all the way out here," she said, and he could hear her rising up out of the water, "for whatever reason, I would simply have to insist you stay. It's dreadfully late for you, after all."

A pause, while she wrapped herself in a thick and comfortable towel. "You'll forgive me if I continue my rude and uncouth behavior, I hope. Because I'm not exactly dressed." A pause. "For company, I mean."

Or, you know. At all.