Author's Note: Obviously this is an All Human Story. It is rated NC-17 for lemons. The content will touch on/explore BDSM and Dom/sub relationships, it will veer away from BDSM to a male led relationship that includes RARE Domestic Discipline. There will be a willing power exchange, but I am taking substantial liberties and the final version of J/N relationship will not adhere to what most would consider a BDSM relationship.

Important Disclaimer: I don't live the D/s, BDSM, or DD lifestyle. This is a work of fiction and, as such, should not be used as an instruction manual.

Special thanks to my awesome beta Sawny94. This story is better because of your help. If you enjoy my story please check Sawny94 out she was one of my inspirations. You're awesome.

Extreme thanks to DazzledbyJake. She has only read one chapter of the story, thus far, but she has become one of my great twitter friends and with one request she took my concept and made me the most amazing crazy sexy BANNER – check out my profile for a link to the banner. She also helped me pick the lyrics for this chapter.

My twitter: (at)Efficient_Vixen. I also am changing my FanFiction pen name to something similar.

I'm not going to warn you any more about lemons – they will be in just about every chapter from here on in. Get used to it and don't read it until you have time to deal with sexual content ;).

Chapter Specific AN: 18 is the legal gambling age on Cruise Ships. There is a scene that depending on your point of view exhibits a certain amount of D/s flavor it could also happen in a vanilla relationship without ever recognizing the D/s tendencies. Do not concern yourself with why Ness doesn't have a safe word or why Jake didn't set some rules before he engaged her this way. I'll deal with it before the honeymoon is over. And before anyone asks: no, Jake does not have a shoe fetish, but his girl wears some seriously sexy heels sometimes.

Other newsOur Deliverance will take a bit longer to update than I had originally expected. I have this insane dream of working with the wonderfully talented people at ProjectTeamBeta on it and that takes time. Sorry, I know I left you all hanging with that intense prologue – I will be regular in my updates once I figure out whether they will take my story. If they take it, it may be a few more weeks until you see an update on chapter one, if they don't then I will put up the next chapter as soon as I know. Believe me their feedback is worth the wait. Chapter 2 of Toe to Toe (IS NOT REVISED YET, BUT) should be republished at the same time I put out chapter 22. Chapter 2 doesn't change any of the history of the story, but with the feedback of ProjectTeamBeta I was able to remove a lot of extraneous fluff and add some graphic threesome sex as well as expanding on my character motivations – now I am just waiting on their feedback on my second round of edits before I pub it. So I promise next time you will have chapter 22 and a revised chapter 2 that you can think of almost like an outtake. Also for those of you who missed my pregnancy announcement in the last couple chapters I am now almost 16 weeks pregnant.

Disclaimer: Twilight and all its characters are the property of the talented Stephenie Meyer – I am just playing in her world for a while. Song lyrics are the property of their respective authors.

~*O*~

I want to feel you from the inside

I want to fuck you like an animal

My whole existence is flawed

You get me closer to god

Closer, Nine Inch Nails

~*O*~

Chapter 21: Upping the Ante

JPOV

The last day before we got to Hawaii Nessie wanted to use one of her formal outfits since this cruise only had two formal evenings in the schedule. She wanted to do something special so I thought that would be a good evening to eat in the main dining room, see a show, and maybe visit the Casino or the Piano Bar.

Nessie had me get dressed and wait on the balcony again. She really liked surprising me for dates. I didn't mind; it made my girl happy. When she opened the door I took in her outfit. She had on the black fuck me heels she wore the night of the bachelor party and then black stockings and a hot pink dress. She had on black pearls and a black shawl draped around her arms. Her hair was down and she had on shimmery pink lip gloss and eyeshadow. She had removed the red polish from her nails and they were a soft pink again.

"You look beautiful," I stated simply.

"Thank you." She tilted her head up for a kiss. I gave her one and then when I licked my lips afterward I tasted watermelon.

"Mmm... I like watermelon."

"I know." She giggled. "Believe it or not that's the color of the dress so watermelon lip gloss was appropriate."

"You look and taste amazing," I leaned in for another kiss.

"So what do you have planned for us tonight?" she asked.

"It's a surprise."

"What a shock!" she said sarcastically then giggled as I began to tickle her. Pulling her close, I stole one more kiss and let her go so she could grab a tiny black hand bag, gave me her arm and we walked to the dining room.

After dinner I led her to the theater for a live performance of My Fair Lady. I got lucky with the entertainment that night since it could have been an opera in a foreign language, instead it was a musical that we both enjoyed, surprisingly. I noticed another show that I thought we'd both enjoy would be playing in a couple days and made a mental note to invite her out for that show as well. It was a tap show that involved five guys dancing on industrial equipment and doing percussion and welding. It was on the other night I had reservations at the steakhouse and that was a casual dining evening so it seemed perfect.

She really enjoyed the show and we chatted happily about it as I led her to the casino.

"Pick a number between one and two hundred." I said.

"Okay," she answered after a few seconds of thinking.

"What is it?" I asked.

"Oh, I thought we were playing a game where you had to guess." I chuckled at her answer and kissed her she was so adorable sometimes. "One-eighty-five."

"Okay." I didn't have that breakdown in my wallet I would have to get change at the cashiers station.

"Is there some reason you had me pick a number?" she asked suspiciously.

"Yep, but it's a surprise." I teased, leading her to the Casino. "This is why I had you pick a number that's our start value." I brought her over to the cashiers station and handed the cashier four one hundred dollar bills. "I need twenty in quarters, ten in one dollar coins, and the rest in five tens and twenties as you see fit." The woman made change and registered us both for some sort of rewards program with our cruise cards. I grabbed two change buckets, put most of the money in one of them and put thirty back in my wallet. I led Nessie over to a couple of comfy chairs and a table.

"Okay, Ness, we have to set rules before we gamble. Becks made me promise that before we gambled we would set some rules. You just set the start value. We each get one hundred-eighty-five dollars to start with. She recommended that be our floor and we consider that to be sunk money. From this point forward that money has been spent so we can have a good time," I explained seriously.

"Okay." She giggled. "I never realized gambling was such serious business."

"Well, Becks has some friends who are compulsive gamblers so she wanted to make sure that neither of us did anything stupid."

"Okay that makes sense."

"You have to go in believing you will loose all your starting money, but you also can hope you might win. Hope is the dangerous part of gambling and it is why people get addicted. So we also need to set a ceiling for each of us. If we go above the ceiling we stop playing and those are our winnings."

"One thousand dollars." She anticipated what I would say next and set the ceiling decisively.

I smiled at her willingness to go along with this. "Okay a thousand it is. Now we need a second higher ceiling, but I can't tell you why until you set it."

"Eighteen thousand five hundred," she said decisively.

I chuckled. "You got something for 185 tonight Ness?"

"Nope, it was just the first number that popped into my head when you asked the question and then I just multiplied it by a hundred." She shrugged her shoulders.

"Okay, Nessie." I kissed her. "So the reason for the second ceiling is if we win big which is very unlikely, but possible. Anything either of us wins between the two ceiling values must be spent before we get home on things not on the itinerary and not in the casino."

"Okay. Are there any other rules?"

"Well, obviously we stick together. We don't have to play the same games, but I want to stay by your side all night." I loved having her with me and this was a new experience for both of us. I wanted to see her reactions.

"Obviously." She rolled her eyes. "Anything else?"

"Yeah, we play til we hit a ceiling or rock bottom."

"What if we decide we're dead tired, but we're still between zero and a thousand."

"We can call it a night, but we have to come back at some point and finish playing." I suddenly had a thought. "Or we can let it all ride on one bet at a table."

"Okay that sounds fun we'll decide if we hit that point."

"What do you want to play, Ness?"

Her eyes got big. "Slots and craps! What do you want to do, Jake?"

I chuckled at her enthusiasm. "Black jack, roulette, and slots." I divided up our cash into our two buckets.

"The tables will eat money fast so do you want to do those first or slots first?"

"Let's do tables first – I'll keep at least 100 just for slots."

I walked with her over to the craps table. She played several rounds. The game confused the hell out of me, but she explained that we were betting on how lucky the person with the dice was, but we weren't actually rolling the dice and the rules seemed really complicated. She said it had the best odds of any game in the casino, though. I just let my lucky girl play and didn't worry about the rules at all. She walked away with five hundred dollars in chips in her little bucket plus one hundred and thirty-five of her start up money in cash.

I wasn't nearly as lucky as Nessie was; we went to black jack next and I lost the fifty dollars I put in to that game over five hands. We then moved on to roulette. Once Nessie watched the game for a few minutes she decided she would play as well and she had plenty of money to play with. The minimum bet was five dollars. I placed single bets on the second twelve numbers, nineteen, twenty-four, and a bet on black. Ness placed double bets on the first twelve, black, nine, ten, and fourteen. I went for our ages and she went for our anniversary. The ball landed on ten which meant that for the fifty Ness put in she got back three hundred and eighty dollars. I got back five from my twenty five for my black bet. She was a very lucky lady. We cashed out for standard chips, Nessie was afraid she wouldn't be allowed to play slots if she won again. I laughed at the idea that that was a problem for her. I had one hundred and twenty to spend at the slot machines and Nessie had nine hundred and sixty-five dollars.

It was like she had a magic touch. She decided to play two cent slots since the payouts were low and she could draw out the experience. She was really enjoying the play part of gambling. Every time I looked over at her she had a huge grin lighting up her beautiful face and I couldn't help but smile back. I loved seeing my girl so happy, but soon I noticed a little frown furrow her brow. I began to think that she wanted to lose so she could play longer. I played a nickle machine behind her.

After her tenth spin on the two cent slots she cursed, "Fuck!" Nessie never swore except in bed. I spun around and saw lights flashing. She had won something big and she looked pissed. I was laughing at her problem.

"Whatcha win, Ness?" I asked teasingly, drawing her into my arms.

"Only money counts right?" Her eyes were hopeful.

"I don't know. Depends on what you won." She pointed up. I saw a picture of a turbo-diesel Mercedes Benz luxury SUV with all the amenities. The car is valued at around ninety thousand.

I laughed louder. "You won a luxury SUV and you're pissed!" She was pouting because she couldn't play any more. I kissed her cute pouty lips. Then a casino host came over and got Nessie's information and our address so he could have the SUV delivered to us. He also wanted a PR picture of Nessie and I. She was still pouting. I rubbed her back and whispered in her ear, "If you smile for the picture I'll split what I have left and you can play until it's gone."

She instantly beamed.

We moved to dollar slots and I kept the start money. We got a third bucket just in case she kept winning. Every time I used a dollar she used a dollar. She was still winning small amounts five and ten here and there. I was still losing, but having a great time. When we got to the last two dollars I told her and she took the coin we each put our coins in and then pushed our buttons. I lost yet again, but my lucky wife's machine was buzzing and sirens were going off.

"I think you have to be the luckiest person in the world," I shouted in amazement. "Whatcha win this time?"

"Well I'm sure I'm lucky because I have you as my husband, but look at the screen if you want to know what I won."

I looked up and saw she had won the grand prize. "Holy shit! I should take you to Vegas!"

"I think I'd like that." She giggled.

"Did I create a monster?" I held her tight.

"No, we'd still need rules, but maybe I'd set the low ceiling a hair higher next time," she replied seriously.

The casino host had found us again. She won a free twelve day cruise for two on a Dream Class ship and twenty-five thousand dollars. They did another photo op with us and then we cashed out. I was so amused by the situation. The first time Nessie gambles she wins a cruise, a Mercedes, and over twenty six thousand dollars while I lose everything. We were given a stack of information about the free cruise and told that if we chose to downgrade and not go to Europe we could opt for two shorter cruises, or three very short cruises with our vouchers. We went to the cashier and redeemed her chips and the check from her big win. We headed back to our room with a security escort. I placed the cash in the room safe and added some of Nessie's jewelry since we were using the safe. In the morning I'd convert the cash to traveler's checks at guests services.

Locking the safe, I stood and turned back towards Ness sitting on the bed. "I swear, Ness I'd never imagined myself saying this, but because of the rules we set we need to burn through eighteen thousand five hundred dollars in the next week," I said seriously.

"Well, I could buy nine pairs of shoes..."

I laughed not entirely sure that she was joking, she could easily spend that much on shoes. "Are you being serious?"

"Only partly... whatever's left when we get ready to leave could be used for high end shopping." She giggled. "I'll make an honest effort to spend the money on things other than that, but what am I not allowed to spend it on again?"

"Anything on the itinerary – for example when we climb the volcano you can't pay for that - and you can't spend it on meals. Those parts are my responsibility."

"So basically, I can buy souvenirs and things like that."

"Yep."

"Can I use the money to ship things I buy here home?"

"Of course, if you think you can't bring something aboard or on our flight home then feel free.

"Okay." She had a light in her eyes like she was formulating a plan. She was enjoying the moment so I wasn't going to ask her what she was planning.

I extended a hand for her to get up. "You ready to stay here or do you want to go dancing or to the piano bar for a while?"

"Here sounds perfect. Let's pray and then we can have some fun."

We said our prayers and then she came over and kissed me deeply.

My hands wandered up her legs, sneaking their way up under her dress. "What do you have under that dress tonight?"

"Do you want to see?" she asked suggestively.

"When do I not want to see?" I rolled my eyes.

"Take off your clothes and hang them in the closet and then you can take mine off." I did as she said and I tossed my boxers on the floor in the closet as well. I walked up to her and slid my hands along her sides.

"I love you, Babe." I untied the belt at her waist.

"I love you too, Jake." She started running her hands along my abs and fondled my dick.

"You were so cute when you won the car tonight and started pouting." I moved my hands to her back and found her zipper at the center I slowly pulled it down. I then slid the dress off her shoulders as I kissed her deeply.

I saw her lingerie and hardened at the sight before me. She was wearing a soft pink lace bra, thong, and garter belt attached to sheer black thigh highs. She had developed quite a liking for thigh highs and garter belts.

"Hey, Babe, I love the new look, but why'd you swap to thigh highs and garters. I've seen you in them practically every night we've been here. You're spoiling me." I ghosted my hands over her thighs and ass.

"Well – I like them – I feel sexy in them – and I love your reaction to them." I kissed her neck softly. "Plus, once Rose explained how to wear them they actually became much easier to wear. On prom night I didn't actually know how to wear it right so it made it more complicated."

"Mmm... Hmm..." I murmured against her neck. I was determined not to mark her again, but I couldn't resist kissing and licking her neck. "I love you. You're so fucking sexy. No matter what you wear or don't wear." I nibbled her ear softly. "Do you want to keep this stuff on tonight or can I strip you bare?" I asked her huskily.

"I belong to you. You can have me anyway you want me, my Jacob," she answered breathlessly.

I unhooked her bra and slipped it off her. "Yes, mine!" My hand cupped her supple breast and snaked down to her core. "Mine," I repeated as both hands skimmed around to caress her ass and my mouth claimed her sweet lips.

"Yours," she moaned as her fingers tugged my hair, pulling me closer.

"My Nessie, my wife, my love." I slid my hands into her thong and slipped it down her legs. She stepped out of it. I didn't want to remove her heels so I was leaving on the garter belts and stockings. Those heels screamed fuck me; I recalled the first time I saw them after my bachelor party. "The first time I saw you wearing these heels I decided I wanted to fuck you while you wore them." I whispered in her ear. "Do you want me to fuck you in them?"

"Yes, please."

"If you can say it when you win a car you can say it for me."

"Please fuck me, my Jacob," she purred seductively.

"It'll be my pleasure to press you against the wall and fuck you hard." I slipped a finger into her pussy while I kissed her deeply. "You want me, Baby, don't you? I can feel that you do, you're so fucking wet."

"All for you, my Jacob." I kept kissing and fingering her while I picked her up and walked us toward the balcony. She wrapped her arms and legs around me.

"I know – you're all for me. You're made for me and I'm made for you."

"Where are you taking me, Jake?"

"I wanna fuck you outside."

"Really?" She blushed, but her eyes flashed with excitement.

"Yeah – you okay with that?"

"I don't know. What if the people next door overhear or the people upstairs or downstairs?"

"I don't care who hears us on the balcony – no one can see us. If you wanna be loud we can be. If you wanna keep quiet that's up to you." I opened the door and could feel the warm sea breeze and smell the salt and spray. I brought her out to the balcony and pressed her against the glass windows of our room.

~*O*~

RPOV

Jake had me pushed against the cool glass on our balcony. I was getting wetter and wetter as he told me how he wanted to fuck me and how he had thought about me in these heels. His fingers had me on the verge of cumming already.

He lifted me slightly and then pressed his long hard dick into my tight entrance. He let me settle to my feet. Somehow he lowered himself so I could touch the ground while he thrust into me. I was too interested in what I was feeling to care. He was filling me and I was moaning softly. Every part of me wanted him in me hard and fast. His kisses were alternating between soft and strong almost teasing.

"Jacob, ohh, my Jacob. I want you to fuck me hard," I whispered in his ear. The dirty talk caused him to smile.

"How hard, my Nessie?" He thrust just the littlest bit harder.

"Really hard. I'll try to keep quiet, but I want you to fuck me hard." His thrusts were becoming more forceful.

His voice became demanding as he said, "Well, you can try to keep quiet, but I'm gonna make you scream."

"Well then," I whispered in his ear, "I'll take that as a challenge." I licked his ear. "You're going to have to earn every sound that escapes my lips from this point forward." He kissed me fiercely, Jacob never could resist a challenge. He started thrusting harder, but I kept silent. He whispered very dirty things in my ears, telling me how much he was enjoying the feel of my pussy on his cock and how he wouldn't stop until he made me scream in ecstasy.

I could barely contain my sounds, but I was determined. I bit his shoulder to keep myself from moaning or whimpering as he pounded into me. I wanted to scream, but as much as I was enjoying his roughness, his power, his possession, and his passion, I couldn't let him win. He moved faster and harder when I bit him.

Jacob quickly caught on that I was using his shoulder to keep from crying out. "You're being a naughty girl, Nessie. Don't you know naughty girls always get punished, Baby. I think I need to change our position so that you can only use your own restraint to keep from making noise."

I said nothing.

He kept his thrusting firm and fast. I wanted him to make me scream so bad, but my own competitive streak was out and I wanted to win too. I knew either way I would 'win,' but the game excited me. "What d'ya say we up the ante?" He waited for me to answer even though he knew I wouldn't. "I'll take your silence as a yes."

He lifted me up and removed his manhood from my throbbing core. I was confused. I thought he was going to tell me how we were upping the ante. Instead he stopped.

I held back a whimper; I wanted more.

He set me on my feet. "Don't worry, Baby. I'm not done with you yet. I'm gonna fuck you till you can't move." He chuckled and then kissed me firmly. He didn't move me, but he did caress my breasts. "Ready? Just nod or shake your head."

I nodded.

He stepped back and then said, "Set your hands on on the rail."

I stepped over to the rail and turned to face Jacob and then set my hands behind me on the railing.

He shook his head and chuckled. "Are you being intentionally difficult to make me give more instructions? Renesmee, you are being a very naughty girl tonight."

I didn't answer, but smiled sweetly.

He chuckled and shook his head again. "I think we're both going to enjoy this." He smiled his sexy smile.

His voice took on a dominant tone. "Turn around, Nessie." I obeyed. "Bend over until your tits are hanging over the rail."

I was confused. I hesitated.

He stepped up behind me and spoke huskily against my ear, "Nessie, I thought you were being quiet." He started running his hands all over my skin. "No one will see you unless you cry out and you're determined not to. I have the marks to prove that. I want to see if you can keep that determination up when you don't have something to sink your teeth into."

I moved so that I was bent slightly with my rib cage set against the edge of the railing and my breasts hanging over the rail with the undersides just barely grazing the glass under the smooth round wood top.

He pressed into my wet center and started thrusting again, gently at first, but getting progressively harder. There was an element of excitement that I felt at the experience. I knew no one from above would be able to see my breasts, but there were several decks below us with balconies and if someone looked up or if someone on our deck looked to the side I would be exposed. Jacob was pounding into me and holding my hips tightly. I was incredibly turned on, but I was also confused. Jacob was always so adamant that no one else should see me naked.

I couldn't keep my noise in much longer. I even moan when I'm masturbating so this was a doomed plan from the beginning. I bit my lip to distract myself from the good feelings Jacob was imparting upon me. That was a bad idea. I bit my lip harder than I planned as he thrust in harder than I expected. I couldn't stop the soft cry that escaped me. I immediately started looking below and to my sides to see if anyone had heard. No one had, except Jacob.

"Well that was a nice sound, but I wouldn't call it a scream," he teased.

I gave up on silence as he started moving even faster. I moaned louder and louder, but kept my eyes peeled so I could cover myself with my arms if I saw anyone. As I released my restraint on my voice my body also released some of its restraint and I was suddenly overcome with a massive orgasm I hadn't realized I was holding back. I felt him cumming as I was in the throes of my own orgasm and accidentally screamed his name. I saw a head peak out a few decks down and threw my arms around my chest.

Jacob instantly lifted me so I was tightly cocooned against his body, before my arms had even contacted my chest. He whispered, "I love you. You have nothing to be afraid of. No one except me could see you." I relaxed against him. He was still hard inside me and I was fully aware of our position now that he had me in his arms and I wasn't exposed anymore.

"How do you know no one could see me?"

"Well from above, you would look like a woman in a skimpy swimsuit so they wouldn't know the difference and from below you're lit from behind so no one could see you except me."

"Oh, but what about from the sides." I wrapped my arms behind us around his neck. His hands moved to massage my breasts.

"That was a little riskier, but I only had to consider the nine rooms to the left since we're against an ell of the ship, but we've met all the people staying in those rooms and honestly they're all night owls and probably still at the night clubs, bars, or casino. It's a bit early in the night for any of them to be back yet."

"I was confused because you usually don't want anyone to see me. I was also a bit nervous about being seen. Then suddenly I saw someone a few decks below poke their head out."

"I figured you saw something when I saw your hands move I knew I needed to make you feel safe. You never had anything to worry about though. I had you the whole time. I don't want anyone else to see you. You're mine." He squeezed me gently. "Are you okay?"

"Yeah, I'm perfect."

"Good." He slipped out of me, then turned me and gently kissed me. I wrapped my arms and legs around him. He wrapped his arms back around me and then brought us to bed. Our night was far from over, Jake wasn't done with me yet. He made love to me for hours and made me feel perfectly loved and safe.

~*O*~

Our first day in Hawaii was Saturday. We landed on the big island at eight am to spend the day at Kona, then later in the week we'd see the other side of the island. He told me that for the next week we wouldn't need to run unless I wanted to because almost everyday we had an activity planned that would involve plenty of exercise. I wanted to anyway; I liked running with Jacob and getting ready for the day. We had been going nonstop every day from five or six am until eleven or twelve at night. After our run that morning Jake handed me a folder with all our shore excursions for Hawaii in it so I could have the option to change anything I didn't like. He also told me it would give me the chance to dress appropriately for our activities and to plan for our down time. I told him I trusted his judgment and I didn't need the itinerary. He told me he wanted me to know and then he headed off to guest services to find out how we could secure our winnings in Hawaii. He looked exasperated when he came back a while later.

He sat down in one of the chairs. I stepped behind him and started rubbing his shoulders. "What's wrong, my Jacob?" I could feel the tension in his muscles.

He chuckled. "I never thought I'd feel like having money would be such a chore. It's a weird feeling." He relaxed his head against my chest. "Apparently, I can't get traveler's checks on the boat since there's no bank. They can issue us prepaid visa or master cards or they can wire the money home to one of our banks at home. There aren't any branches of our banks in Hawaii, either. Apparently, Hawaii has almost no national or international banks"

I thought this would be a good time to ask a Hawaiian what to do and called Jake's sister Rebecca. I had his families numbers programmed for emergencies. "Hello?" She answered.

"Hi Rebecca, it's Renesmee."

"May, is everything okay?" she asked, panic laced through her voice.

"Yeah, everything's fine. I just had a banking question about Hawaii."

"Okay."

"Can you recommend a bank in Kona? Jake said most banks are local."

"Yeah, Bank of Hawaii is where Jon keeps his business accounts. They have multiple branches on every island."

"Thanks, Rebecca. Do you want to talk to Jake?"

"Nah, I'll leave you two to enjoy yourselves."

"Goodbye then, I love you."

"Love you too, talk to you soon." I hung up.

"What was that about?" Jake asked.

"I had an idea. How would you like to have a bank account that we almost never use?"

"Why would we want another bank account to keep track of?" he asked confused.

"Well I was thinking we could use the winnings to open a smell the roses account."

"Smell the roses?"

"Dad always had a separate bank account that he used to do nice things for people or take vacations. It's like a recreation account. He said you should always make sure to take the time to stop and smell the roses. For example, when I was a kid he took Mom to Ireland one summer as a stop and smell the roses experience. It can't ever be used for basic necessities unless it's for someone else who you love who is struggling and it can never be used for lending. There was a family at church who was struggling once and Dad took a couple thousand out of the roses account and sent it to the family as an anonymous money order."

"Wow. How much did he keep in this account? That's very generous."

"I don't know; I just know he put aside a little whenever he had extra money and it was a family tradition passed down from his mom."

"So you want to open a smell the roses account in a state that we don't even visit often." He chuckled.

"What better place to do it? That way we add to it online and we never draw out of it except for recreation. We could practically forget about it."

"Okay – it's your money to do with as you will."

"No, it's our money to do with as we will. We got lucky last night," I emphasized.

"I didn't mean it like that, Nessie," he rushed to explain, obviously afraid that he had offended me. "I just meant you won it – now you get to spend it. I know that what's leftover is ours together. After the honeymoon all our accounts are getting linked anyway."

"I know what you meant, Jacob. I just want to make clear that everything that's mine is yours too. So does a roses account sound like a good idea to you or would you rather do something different?"

"No, this idea is perfect." He pulled me into his lap and kissed me. "We better get dressed for kayaking. We need to be ready to go from the ship at noon for that, but we can probably get off and quickly open an account when we land and then explore the town for a couple hours. Now I'm glad I had to bring the wedding certificate for the cruise to let you come aboard."

"What?"

"Yeah, anyone under twenty-one has to travel with a parent or legal guardian."

"Seriously? So that makes you my legal guardian? That's so weird."

"It's their rules, Babe, not mine. You're my equal in every way."

We got dressed in casual clothes, Teva hiking sandals, and sunglasses with swim suits on underneath; I wore my turquoise one since it was best suited for active use. We headed to our debarking point and waited in line to get off. We were both carrying backpacks which had compact high-tech travel towels. I was carrying the sunscreen and Jake's bag had the cash in it. Alice had really gone all out on our packing. We got directions to the bank and headed over there at a fair clip. We opened a money market savings account with checks and deposited twenty four thousand; we had decided to keep some cash on us for shopping in case some places didn't take credit. The bank immediately provided us with visa debit cards. I would be monitoring our spending to be sure we spent all but seventy-five hundred on our honeymoon. Darn me for setting such a high second ceiling, but now I could buy very nice souvenirs and gifts without using the black card attached to the trust.

We were done at the bank by nine thirty and then wandered the town and stopped at boutiques and open air markets. I found a nice one piece bathing suit that I would actually be willing to wear and bought it. It was a soft turquoise halter style. We bought silk Aloha shirts for all our close friends and family. I also bought twenty pounds of organic Kona coffee at over forty dollars a pound and a large hand woven straw bag to carry the shirts in since Jake insisted the coffee go in our back packs. I'd read about the coffee in the guidebook I grabbed on the boat and it was ranked the second best coffee in the world. I figured it was a good way to burn some money and buy gifts for our families. Jacob thought that purchase was crazy, but I made him try some at lunch and changed his mind. We ate early at a little cafe and I even tried the Kona coffee – still not a fan, but it was better than Starbucks, Jacob was happy to finish my coffee.

We headed back to the ship to leave our acquisitions and Jake took the sunscreen and towels as well as all my personal items in his bag so I wouldn't have to carry anything on our kayaking adventure. We met up with the guides at noon time and headed out. It was a wonderful kayaking trip and I couldn't believe how beautiful the island was. We got to swim and snorkel a bit as part of the trip and it was awesome. We saw lava tubes, sea caves and even some sea turtles.

We were driven back to the ship and then Jacob and I had to change out of our extremely casual attire for dinner. I decided tonight would be an ideal night for some of my lingerie – I would have to gauge Jacob's mood over the course of the evening to decide which lingerie. I had soft and silky for making love and hard core for straight out hard against the wall. I chose to wear a peach silk baby doll style tank top and a pair of skinny black cropped pants with peach strappy Jimmy Choo three and a half inch heels for dinner. Jake had changed into khaki pants and a white button up short sleeved shirt.

Jake apparently noticed I wasn't wearing a bra because he came up to me and ran his hands over my breasts when I came out of the bathroom.

"Are you trying to get me excited before dinner?" I teased.

"No, just checking to see if you had on that weird bra you wear sometimes with sexy shirts." I giggled at his reference to my silicone stick-on bra.

"I only wear that if we're going dancing and I need a strapless-backless bra. I prefer no bra in a shirt like this since it has one practically built in."

"You don't need one anyway your boobs are perfect."

I giggled, he usually referred to them as tits. "Glad to know you like them. You weren't planning on bringing us dancing tonight, right?"

"Nah, I'd rather not have you wearing that weird thing and we got a lot of exercise today. I was thinking we could go to the piano bar or the jazz lounge and just relax."

I raised an eyebrow, "Jazz or piano music?"

"Hey, I'm in the mood for something soft tonight. We don't have to listen to rock, pop, or clubbing music when we go out. I know your taste is more varied than mine and I'm just enjoying being with you. If last night had been an Italian opera I would have been happy because I was with you even if I didn't understand a moment of it."

"You're so sweet to me."

"Watch out you might get cavities from me," he teased.

"They'd be worth it. I love you."

"I love you too." He laid a soft kiss on my lips. We went to dinner. I had pasta with turkey and asparagus and Jake had the Cornish game hen with cherry sauce. We shared our meals as always. We went down to the piano bar and listened to the lounge singer and pianist perform music reminiscent of Ella Fitzgerald, Billie Holiday, and Nora Jones. She had a beautiful voice. By the end of our evening I had definitely decided that Jake was in the mood for soft love making tonight.

When we got back to the room we did our night routines and I grabbed a short silk slip and robe with lace trim. I changed in the bathroom and Jake was laying on the bed naked by the time I came out. I tossed my clothes in the closet and smiled when I saw him.

"You read my mind," I said with a small giggle as I laid down beside him.

"That's why we're such a perfect match." He pulled me in for a soft kiss. He slowly stripped me down and made soft love to me. I loved Jacob and I loved how he loved me. Sometimes he was rough and dominant while other times he was soft and tender.

He had always been careful not to let his dominant side out near me when I was growing up. I really only saw it on those days when he was protecting me. It was a hard fierce side that he was reluctant to let out with anyone. He let me catch glimpses of it through my life, but now I was beginning to see it more and more. I don't think anyone ever saw this side of Jacob, not even Bella. She knew he had a dominant side, but she told me she could never get him to let it out. She said he was basically putting on a show for her and giving her what she needed rather than truly embracing himself. I understood better after that night he explained his tattoo and spirit guide. There was a part of him that was led by the wolf spirit, but he was afraid of it. He was afraid of hurting someone by letting that part out; he had been warned that there was a level of volatility in himself and he saw that as harmful. I saw the nobility of that side of him. I saw him as my protector and my lover.

~*O*~

In the morning after our normal routines I was standing naked in front of the closet trying to figure out what to wear. We were going to church and then tubing.

"As much as I enjoy the view, I have to ask why are you standing there naked?" Jake asked as he wrapped his arms around me and skimmed his hands along my waist. He was already dressed in board shorts and a t-shirt.

"I'm having trouble deciding what to wear. I like to be dressed well for church, but then we're going tubing immediately after."

Jake chuckled, "God doesn't care what you wear just that you show up in his house. Well, we have to bring dry clothes to change into after tubing anyway so pick what you want for church and pack your swim suit and running shorts for the hike and tubing. I've already packed our towels, sunblock, and bug spray. But, Ness please don't make me look overly casual for church by going too ritzy on me; keep it casual please."

I tossed Jake a set of underwear and a bra to pack. "Pack those in your bag, please." I then tossed him a pair of my running shorts. "That too, please and thank you." He packed it while I put on my new swimsuit, some Bermuda jean shorts with a floral tie, and a black t-shirt. We headed out and he told me that we needed to keep an eye out for hats since we would be out in the sun a lot.

"Jake, how much was the car worth that we won?"

"Not sure exactly, but around ninety grand."

"And what do you think the cruise vouchers are worth?"

He mumbled something about a grand suite and shore excursions in Europe with first class airfare. Then said, "About ten grand, maybe twelve, maybe more."

I was doing the math in my head. "So the value of all our winnings is between one hundred twenty-five thousand and one hundred thirty thousand."

"Probably, why?"

"Well I was trying to figure out what we need to tithe and whether we want to do it here or at our church at home."

"Home," he said decisively.

"Why?"

"I'll tithe my normal weekly amount here, but I'd rather support our local churches than a church we're visiting once with that large a donation."

"Okay. So are we tithing from the trust for our winnings or from the winnings themselves?" I asked hopeful that he would choose to do it out of the winnings and make spending it down much easier.

"The trust. You're not getting out of spending the winnings that easily." He had read my mind; we both chuckled as we walked down the street. I saw hats and we each picked a hat for the other. We both looked a little goofy with our straw hats on, but we weren't here to impress anyone. We got to the church a little early and I told him about another family tradition that I'd never mentioned, because I had only been to a brand new church for him when my parents passed away and I was obviously distracted that day.

"Make a wish, Jake," I said as we stepped into the church. I wished that one day he would reconcile with his father.

"What?"

"Whenever I enter a new church I make a wish. It was Mom's tradition."

"I've known you for more than six years and in the last two days I've learned about two family traditions you've never mentioned before. Can I tell you my wish or is it like a birthday?"

"It's like a birthday you have to keep it secret or it won't come true."

It was a beautiful service and it included lot's of children. We left the church and headed back to the boat to meet the guide for our tubing experience.

~*O*~

Coming up:

"Well this way I can publicly stake my claim without looking possessive. Even though you and I know you're mine, now everyone around us knows too. You got a lot of attention when you stripped like that."

I felt my face flush. "Sorry. I figured it wouldn't be a big deal since we're in Hawaii and I had a swimsuit on, I figured people do it all the time."

"Nothing to apologize for. You're just so beautiful that people were going to look. If you'd walked out in that same outfit people would look, but when you stripped I could see men beginning to fantasize. So, I thought I'd redirect their attention to your scary looking husband."

"He is very big and hulking and I'm so safe with him. I'd never be afraid of him though."

"Yeah I know, but those guys were judging you based solely on your appearance so I thought I'd let them judge me the same way." I hugged him tightly.

~*O*~

Please review. It takes days to write, edit, rewrite and reedit. Show some love.

I'll send previews in return for publicly signed or privately messaged reviews.