Closest I ever came to that was when I was SCUBA diving... I surfaced near some rocks, looked up and there were two women laying on rocks, where they thought no one could see them. They would have heard a boat approaching, so they felt very 'safe'.
I looked up, noticed them... they saw me, I waved, then went back down and had a nice smile on my face for the rest of the dive.
They were probably in their 20's and very attractive
