After a few moments of indecision, I decided to play coy. "I shouldn't be talking about my underwear to a stranger."

'Tammy, if you describe your panties, I'll tell you a really cool thing about myself.'

I needed to play for time because his question had flustered me. Somehow the things I had learnt from all the previous conversations and from talking with my friend, had slipped my mind and I couldn't decide what to say.

The chat always arrived at questions about sex and underwear. Then they wanted me to turn the cam on and reveal something to them. I guessed that Carl would want to see my underwear and then suggest that I take it off and touch myself.

"Carl, I'll be back in a few minutes," I typed after a long pause.

'OK.'

It was my friend Lucy's fault. She showed me how much fun one could have, chatting online with a fella. She confessed that she had been doing it for some time. I told her that I didn't believe her, so the next time I went around her house, she fired up her computer and waited for her latest catch to contact her.

It didn't take long for the guy, who called himself Bobby, to spot that Lucy was online. I stood out of shot, while she pointed the cam down to hide her face from Bobby. Once he had started a conversation, she teased him for a while, before eventually stripping down to her underwear, while sitting in the chair at her desk. Lucy had obviously done it before, for she went through a well-rehearsed procedure, as the guy became more and more excited.

She talked to the guy at first, but turned the sound down later when he began jerking off. Lucy was as excited as he was and couldn't wait to slip her panties down and start frigging herself with one of her dildos. I stood there like a lemon, wishing that I had the nerve to play Lucy's game. They both enjoyed themselves, so to me, it seemed like a harmless bit of fun.

The feeling of control from a safe distance was a huge turn on for both of us and after she had switched the computer off, she persuaded me to undress. Once we were naked, we fooled about on her bed for half an hour. I discovered more about myself in those 30 minutes, than I had in all my previous nineteen and a half years on the planet!

Several weeks had passed since that night. It was the first time that I had been intimate with anyone, let alone a girl! At the time. the question of being gay or wanting a sapphic relationship never occurred to me and I was still not sure about my feelings.

I enjoyed myself and didn't regret what I let her do to me. I had a dozen or so selfies that I took of us together, naked, lying on her bed together. I didn't let her penetrate me with the dildo, even though she tried to persuade me to let her. She relented and instead rubbed my pussy with the tip of the dildo which was enough to make me cum.

Lucy and I had been friends for years. We were the same age, 19 and went to college together. Lucy was heavier than me but had slimmed down in recent years to a size 10. Our parents knew each other when we were younger, but a lot had happened so that wasn't the case anymore.

I had dressed that morning in a pair of white cotton panties, white bra, a pink sweatshirt and a pair of light blue denim shorts. I was going to meet Lucy in town at four, so I had to leave in an hour if I wanted to be on time. First though I had to change, then I'd see if Carl was still online.

After pushing my shorts down, then my panties, I wasn't surprised to see that the gusset was damp.