Cliff and his sister Tammy sat in the family room watching the college basketball finals.  It was the first round of March Madness.  Tammy cheered for her favorite team as they beat their opponent.

“They’re going all the way,” Tammy said to her brother.

“If you say so.  You know I’m not into college basketball like you are.  As far as them going all the way, it’s a long road,” Cliff said.  He picked up the remote and changed the channel to a fishing show.

Tammy sat back, smiled, and said, “I’ll bet they make the final four.”

Cliff shrugged his shoulders and then said, “Okay, what do you want to bet?”

Feeling sure her team would make it to the final four, and maybe even the championship game, Tammy said, “I’ll bet you anything you want except money.”

“What do you want if you win?  If I can bet anything I want, so can you.”

Tammy glanced at the television.  She knew her brother’s passion for fishing and the time he spent on the water.  Cliff and their cousin Paul seldom took anyone with them.

Paul’s father gave Cliff and Paul access to the fishing boat.  The boys took the center console boat out whenever they could.  They split their time between the backwaters around Naples and out in the Gulf of Mexico.

Like her brother and cousins, Tammy worked at the marina.  She worked after school until she graduated, and now she worked full time.  Tammy and Cliff’s mother Ellen and their Uncle Ed, Ellen’s brother, owned the marina.  Ed’s wife Mary also worked for the family’s business.  They inherited the marina when their parents passed away.

Almost two years ago, Greg, Mary’s brother, divorced his wife and came to work at the marina with his sister and brother-in-law.  Greg used to be a salesman for an automobile dealership and found the transition to boat sales easy. 

Ellen married her high school sweetheart shortly after graduating.  She discovered she was pregnant and her boyfriend stepped up.  Tammy was born eleven months after Cliff’s birth.  Her husband worked the oil rigs in the Gulf and provided for his family.  While their marriage was rocky from the start, Frank stuck with Ellen.

By the time Tammy was five, Frank felt trapped and started an affair with a woman.  When Ellen discovered his infidelity, she gave him a choice.  Frank decided he didn’t want to be married and left with his girlfriend.  They moved to Alaska, leaving Ellen to raise her two young children.

Ed and his wife Mary helped Ellen after her divorce.  She went to work with her brother and sister in law at the marina.  Ellen introduced her brother to Mary while they were still in high school.  Ed and Mary fell in love and married shortly before Ellen and Frank.  Like Ellen, they had two children.  Paul was born a month before Cliff and Sandy were born two months after Tammy.

Neither Tammy nor her brother needed money.  Their jobs provided them with an income rivaling most adults.  Working for the marina they received generous salaries.  Their mother and uncle told them they paid them what they did because of tax reasons.  Like Tammy and Cliff, their cousins received equal wages.
 
“When I win, you have to teach me to fish and operate the boat.  Not just once either, you have to take me anytime I want to go,” Tammy said, grinning inwardly.

“I didn’t know you were interested in fishing,” Cliff said.  “Paul and I asked you and Sally if you wanted to fish with us and you two said no,”

Tammy shrugged her shoulders.  “Sally didn’t want to go, so I didn’t go either.”

The two girls’ brothers asked them if they wanted to fish, but they declined.  It was a few years ago, but at fifteen the girls weren’t interested in doing anything with their big brothers, let alone fishing.  Tammy wasn’t sure if she would like fishing, but she knew it was something her brother didn’t want to share.

“So, what do you want if I lose?” Tammy said.

Cliff shrugged his shoulders as he thought about his side of the wager.  He knew his sister hadn’t thought things through when she offered anything he wanted.  Cliff didn’t really care about winning or losing the bet but decided to teach his sister a lesson.  He wanted to make sure she considered the consequences when she made a wager.

“You said anything I want except money, right?” Cliff said.  He saw his sister nod in the reflection of the glass doors of the entrainment center.

“Let me think about it.  I’ll let you know later.”

Cliff glanced at Tammy.  “When?  You have to tell me before they play again,” she said.

“I’ll think of something tonight and tell you tomorrow,” Cliff said.

“Whatever, it doesn’t matter, I’m going to win.”  Tammy laughed and got up.  She tugged the legs of her denim shorts down her thick thighs and left the room.

Cliff watched his sister’s ass as she walked out of the room.  He smiled to himself as he considered his options for his side of the wager.

Tammy went to the kitchen and took a soda from the refrigerator.  She went outside and sat on the patio, wishing they had a pool like her cousins did.  Her cousin’s house was close, but Tammy didn’t feel like going over there to swim.  It was getting late, and she had to work in the morning.  She finished her soda and went into the house.  On the way to her bedroom, Tammy stopped in the living room to talk to her mom.

Ellen and Tammy talked about work and the things they needed to do the next day.  They worked in the office and were responsible for booking boat slips and taking maintenance orders.  Cliff and Paul worked in the yard, moving boats, installing electronics, and other maintenance.

“I’m going to bed, Mom.  I’ll see you in the morning,” Tammy said as she headed out of the living room.

“Okay, see you in the morning,” Ellen replied.

Tammy went to the bathroom she shared with her brother.  She made sure to slide the door to his room closed and started the shower.  After removing her clothing, she stepped into the stall, sighing as the warm water hit her body.

After showering and shaving her legs, Tammy got out of the shower.  She wrapped her body in a towel and put another around her head.  In her bedroom, she closed the door to the bathroom and began getting ready for bed.

Tammy removed the towel from around her body and dried her legs and the rest of her body.  Standing in front of her full-length mirror, she examined her reflection.  She ran her hands over her firm medium-size breasts and then down her round belly to her hips.

She didn’t like her pear-shaped body.  Tammy felt her hips and thighs were too thick and wished she could lose a few inches.  Her belly felt soft, and when she wore anything with a tight waist, it formed a little ‘muffin top’ over the waistband.

Tammy usually wore long tops to hide her lower half.  She pulled a sleep shirt from her drawer, put it on, and then slipped into a pair of panties.  Pulling the towel from around her head, she shook out her shoulder-length light brown hair.  She brushed her hair and used a blow dryer to dry it before crawling into bed.

Leaning against her headboard, Tammy ran her hands over her body.  Many nights, her ritual included masturbation.  As she fondled one of her breasts, she slid her other hand into her panties, rubbing her curly bush before moving lower.

Self-satisfaction was the limit of Tammy’s sexual experience.  She only dated one boy in high school.   They went to the prom together, but never went any further than making out.  She wanted him to touch her breasts, but he was even shyer than she was.  Her plan to lose her virginity to the boy evaporated when they broke up.  Many nights she would lie in bed playing with herself and planning the moment she would share her virginity with him.  She even went to the clinic for birth control so they wouldn’t have to use a condom.

Her thoughts about making love fueled her excitement.  As she imagined the feeling of a boy touching her, she rubbed herself.  Before she finished her nightly session, Tammy pushed her panties down and used the thick round handle of a hairbrush to pleasure herself.  She drilled the plastic handle in and out of her and rotated her hips until her orgasm built and exploded.

Sated, Tammy put her brush in the drawer of her nightstand.  She would wash it tomorrow.  After pulling her panties in place, she rolled on her side and hugged her pillow.  Her mind drifted as she felt her body relax.

Cliff waited for his sister to finish in the bathroom before he took his shower.  He soaped his body, spending extra time stroking his cock.  Closing his eyes as he jacked off until he shot cum against the shower wall.  Waggling his semi-hard member, he shook the last drops of semen from the tip.

Like his sister, Cliff’s sexual experience was limited.  He dated a few girls and even copped a feel of one of the girl’s breasts through her clothing.  The girl became upset and told him she never wanted to see him again.

Deciding it was too much trouble Cliff stopped asking girls for dates.  He divided his time working at the marina and fishing.

The next morning, Cliff, Tammy, and Ellen sat at the kitchen table, eating breakfast.  Cliff sipped his coffee and looked over the mug at his sister.  As he sat there, he began to smile.  He decided to put Tammy in her place and teach her a lesson.

“I’m leaving for work.  I’ll see you two at the marina,” Ellen told her children as she cleared her dishes and took them to the sink.

“Okay, Mom, Tam and I are right behind you,” Cliff replied.

After rinsing their dishes, Cliff and Tammy left for work.  She climbed into his truck and fastened her seatbelt.  As her brother drove to work, she noticed the smug look on his face.

“So, I decided what I want if you lose the bet,” Cliff said as he pulled into the marina.

“What?” Tammy said.

Cliff parked his truck and turned to his sister.  He began grinning and then chuckled.

“If your team doesn’t make the final four, you have to blow me.”

Tammy gasped and tried to speak, but Cliff went on before she could.

“Not just once, but anytime I want you to,” Cliff said, grinning at the look on his sister’s face.

“You’ve got to be kidding!  How can you even think of something so sick?  You’re such a pervert!” Tammy all but shouted.

“Hey, you made the rules.  You said anything I wanted except money.  I want what I said.”

“It doesn’t matter anyway.  My team is going to make the final four and probably win the national championship.  By the way, you’re an asshole,” Tammy said.

Cliff laughed and got out of the truck, leaving his sister fuming.  She couldn’t believe Cliff would think of something as gross as what he said.

Walking toward the docks, Cliff continued laughing to himself.  He couldn’t get over how incensed his sister became when he told her he wanted blowjobs if she lost the bet.

Paul greeted Cliff, and the two of them began working on a boat.  They were rewiring it and installing a new radar unit.  At lunch, Paul and Cliff went to the office.  When he saw his sister, Cliff smiled.  Tammy turned her back to her brother and continued working.

After work, Ellen told Cliff and Tammy she was having dinner with their uncle and aunt.  She said they had a few things to go over and she wouldn’t be late.  Tammy asked their cousin Sandy if she and Paul wanted to go out for pizza, but Sandy declined.

On the way home, Tammy didn’t say a word to her brother.  She was still pissed because of his terms for the bet.  When Cliff asked his sister where she wanted to eat, she shrugged her shoulders.

Cliff stopped at a family restaurant and parked his truck.  He looked at Tammy and said, “Are you coming?”

Tammy nodded, got out of the truck, and followed Cliff into the building.  They sat across from each other and placed their orders.

During dinner, Tammy didn’t look at Cliff or say anything.  When he said something, she shrugged her shoulders or ignored him.

“How can you be such a pig?” Tammy finally said.

“What are you talking about?” Cliff replied as he fought the urge to laugh.

“You know what I’m talking about.  For Christ’s sake, I’m your sister.  How can you ask me to do what you said?”

“It doesn’t matter if you win the bet, now does it?”

“No, but that’s not the point,” Tammy said.

“Look, you’re the one who set the terms of the bet.  You’re the one who said anything except money.  Maybe you’ll think things through next time you make a wager,” Cliff said.

Tammy pushed her food around for a moment.  Then, looking up at her brother, she said, “You wouldn’t really make me do it, would you?”

While he wouldn’t force his sister, or any girl, to do something they didn’t want to do, he did want to make Tammy squirm.  He looked at his sister, waggled his eyebrows, and smiled.

“You’re a prick,” Tammy whispered.

After eating, Cliff and Tammy went home.  They settled in the family room and turned on the basketball game.  There were sixteen teams left in the tournament.  If Tammy’s team won, they would advance.  When the game ended, Tammy’s team had won by a considerable margin.  They dominated their opponent, winning by twenty-eight points.

Tammy got up, smiled at her brother, and went to her room.  She took her shower and went to bed.  Cliff turned off the television.  During the game, he silently routed for Tammy’s team.  After having a chance to think about it, he wished he hadn’t set sex as the terms of the bet.

The next morning, Tammy was in a much better mood.  She knew the team her team would face in the elite eight was the underdog.  Her team beat them earlier in the year, and she was confident they would win again.

On the way to the marina, Tammy talked to Cliff but didn’t mention the bet. Neither of them said anything about how her team did the night before.  She felt so good about her chances of winning she asked her brother questions about fishing.

“What do you fish for when you go?” Tammy said.

“It depends on the weather.  If it’s nice, we go to the Gulf for wahoo, dolphin, tuna, snapper, and other fish.  If it’s too windy, we fish the backwaters for snook, tarpon, and trout.”

“Is it fun?”

“I think so.  Paul and I like fishing and boating,” Cliff said.

It was on Wednesday, two days later, when Tammy’s team played again.  She sat on the edge of the couch, watching the two teams battle.  At halftime, her team was up by eight points.  Cliff watched the game with his sister and thought about taking her fishing with him.

As the game progressed, the gap in the score narrowed.  By the end of the third quarter, Tammy’s team was only two points ahead.  She felt nervous about the game and the possibility her team could lose.  When her team came out for the final quarter, they quickly scored several unanswered points.

“They’re going to win,” Tammy mumbled.

Cliff shrugged his shoulders.  He didn’t care who won or lost the game.  If his sister wanted to learn to fish, he would teach her.

Tammy was standing and shouting at the television in the final minutes of the game.  The two teams swapped the lead several times.  With her team up by two points, she felt confident.  The seconds ticked off the game clock as her team tried to maintain control of the ball.

With four seconds left, one of the players from the opposing team slapped the ball away from her team.  He grabbed the ball, moved down the court, and a second before the busser, launched the ball from mid-court.

Tammy held her breath as the ball soared toward the backboard.  The ball swished through the net as the buzzer went off, ending the game.  She sat hard on the couch in disbelief as she realized her team lost by one point.

Cliff smiled to himself but didn’t gloat.  He glanced at his stunned sister, watching her stare at the replay.  Time after time, the network showed the mid-court shot and the reaction of both teams.

With her mouth hanging open, Tammy looked at her brother.  He smiled, got up, and said, “Goodnight, see you in the morning.”

“You won the bet,” Tammy said in a low quivering voice.

“It’s more like you lost, Tam,” Cliff said as he grinned at his sister.

“Whatever.  When do you want me to pay up?”

Doing his best not to smile, Cliff said, “I’ll let you know.”

Cliff turned and walked out of the room, leaving Tammy sitting on the couch.  She buried her face in her hands and thought about what would happen next.

In the shower, Cliff stroked his cock and thought about his next move.  As much as he wanted to get his first blowjob, he didn’t feel it was right to make his sister uphold her end of the bet.  Even as he masturbated, he couldn’t use his sister’s image to fuel his excitement.  Instead, he thought about unnamed, faceless women.

Lying in bed, Cliff thought about how to let his sister off the hook.  It would be easy to tell her to forget it, but he still wanted to have some fun and make her think, and squirm.  He chuckled, feeling Tammy would choose her words a bit more carefully next time she made a wager.

Tammy took her shower and went to her room.  She dried her hair and thought about her brother and what he wanted her to do.  The idea of having intimate contact with Cliff disgusted her.  How could her...