The school bell rang, signaling the end of the last day of finals. Outside the window of the nurse's office, the hallway was a blur of moving bodies and a cacophony of voices. Inside, the air had anticipation as the young blonde, Josie, fidgeted nervously in her seat. She was 18, a recent graduate, and about to undergo a mandatory physical exam before receiving her diploma. The nurse, a stern-looking woman in her fifties with a no-nonsense attitude, called out her name with a sternness that sent a shiver down her spine.

"Josie," she began, her eyes scanning the clipboard in her hand, "you're here for your graduation physical. Please strip down to your underwear and wait for the doctor. He'll be with you shortly."

Josie felt a sudden flush of embarrassment creeping up her neck as she complied, her hands trembling as she unbuttoned her blouse and slid it off her shoulders. The nurse's gaze lingered on her young, perky breasts before moving on to her flat stomach and long, shapely legs. She felt like a specimen, an object under inspection, but she managed to maintain a modest smile as she stepped onto the cold examination table. The nurse took her height and weight, scribbled some notes, and then disappeared behind the curtain, leaving her alone in the small, sterile room.

The doctor, a gruff, balding man with a stern demeanor, eventually entered, his footsteps echoing off the cold, tiled floor. He was old school, with an awkwardness around young women that was almost palpable. He cleared his throat, his eyes meeting hers for a brief moment before averting to his clipboard. "Ah, Miss...Josie. Yes, the final step before graduation, I see."

With trembling fingers, she clutched her underwear to her chest, feeling more exposed than ever before. The doctor's gaze swept over her, his eyes lingering on the curve of her breasts and the outline of her panties. He coughed, his discomfort with her beauty evident, and began the exam with a brusque nod. "Let's start with the Tanner scale, shall we?"

"The Tanner scale," he explained in a gruff voice, "is a system for assessing the sexual maturity of an individual based on the development of secondary sexual characteristics." His eyes raked over her body, noting the subtle swell of her breasts and the faint blush of her cheeks. "We need to ensure that you are indeed at the appropriate stage for graduation."

Josie felt a fresh wave of embarrassment wash over her as the doctor approached with his stethoscope and cold, latex-covered hands. "First, I'll examine your breasts." He paused, looking at her expectantly. "You can remove your bra now, please." His voice was firm, leaving no room for argument. She complied, the cool air in the room making her nipples tighten as he began his inspection. His eyes remained fixed on the clipboard as he felt her breasts, noting their firmness and size. "Stage five, I'd say. Good, good," he murmured to himself.

The doctor's gaze flickered up to her face, his eyes meeting hers for a brief, uncomfortable moment before he moved on. "The areolar mound has receded into a single breast contour," he began, his voice clinical and detached, "and the areolae have darkened significantly." His thumbs circled her nipples, eliciting a faint gasp from her. "Nipple protrusion is clear, and the papillae are well-defined." He made a few more notes, his eyes never leaving the paper, as if he were afraid to acknowledge the blush that had spread from her neck to her cheeks.

He cleared his throat, his eyes lingering on the patch of fabric that barely contained her womanhood. "Now, I can see from here that your pubic hair is also stage five - your pubic hair spreads down onto your thighs but I'm just going to take a quick peek inside your underwear for a brief visual assessment."

Josie's face flushed looking down at the blonde wisps that were emerging from the sides of her panties. Her heart raced as she felt his fingers tug roughly at the elastic band of her white cotton panties. She bit her bottom lip, trying to keep her legs from quivering as he exposed her most intimate area to his gaze. The doctor leaned in, and murmured, "Yes all developed as you should be."

With a quick snap of his fingers, the doctor barked, "Touch your toes." His voice was gruff, but she could hear the hint of excitement beneath the clinical command. She bent at the waist, her back arching gracefully, presenting him with the view of her barely covered posterior. She felt his eyes on her, assessing, objectifying her as he scanned her spine for any signs of the condition. His fingers followed the curve of her spine, pressing into her skin, leaving a trail of heat in their wake. "Good, no indications of scoliosis," he grunted.

His hands slid down the length of her spine, and she flinched as they grazed the sensitive skin above her buttocks. "Stay down," he ordered, and she complied, her body trembling slightly.

The doctor's touch grew bolder, his thumbs sliding into the waistband of her panties, pulling them down another inch. The fabric now barely covered her private parts, and she could feel his gaze on her exposed skin. He pressed around her tailbone and she willed herself to stay still so she wouldn't be told off again.

"I need to check for haemorrhoids," he announced, and without waiting for a response, he tugged her underwear down to her knees, exposing her completely. Her face burned with mortification as her panties slid down, the fabric brushing against her sensitive inner thighs. She heard the snap of latex gloves. She felt a rush of cool air against her buttocks and the backs of her thighs, and she knew she was completely exposed to his scrutiny.

"Reach back and use both hands to spread your buttocks so I can examine your back passage please."

Josie's eyes squeezed shut tightly as she did as she was told, the doctor's cold, latex-covered fingers touched the sensitive skin around her anus. The sensation was both uncomfortable and strangely exciting, and she found herself holding her breath. His eyes remained on the task at hand, inspecting the area with a professional detachment that made her feel like a piece of meat in a butcher's shop window.

The doctor's gaze was focused solely on her anus, the pink, unblemished skin showing no concerns, he leaned in closer, his nose almost touching her skin as he peered at her intimately. "Hmm," he murmured, "everything seems to be in order here."

She felt his finger at her anus, the tip pressing gently but insistently. "Now, push out as if you're having a bowel movement," he instructed, his voice calm and authoritative.

Josie took a deep breath and pushed out, feeling his finger slide in with surprising ease. The doctor's hmmed and hawed, watching her reaction with a professional detachment that sent a thrill down her spine. "Good girl," he murmured. "Hold it there." His finger began to probe deeper, stretching her tight opening until she could feel it brush against her inner walls. With a grunt, he withdrew his fingers, and she heard the snap of latex as he pulled his gloves off.

"You can stand up now," he instructed, and she did so, her legs wobbly from the examination. She reached for her panties, but his hand stopped her, his eyes on hers as he said, "No need to cover up just yet. We're not done."

The doctor took a step back, his gaze raking over her exposed body. "You're in good health, but I need to confirm something." He paused, his eyes lingering on the patch of damp fabric between her legs. "Any menstrual trouble?"

Josie shook her head, her voice small and trembling. "No, none."

His gaze remained on her sex, his eyes darkening slightly. "And are you...a virgin?"

Her cheeks burned as she nodded, feeling more naked than ever before. The doctor's eyes lit up with something that looked like interest, and he nodded curtly. "Ok, I don't need to do a full gynecological exam then."

The doctor cleared his throat, his eyes never leaving hers. "But, I do need to check your hymen." He stepped closer, his breath hot against her skin as he reached down and slid her panties to the floor.

"Please, lie down," he instructed, his voice taking on a gentle, almost soothing tone. "And spread your legs for me."

Josie's legs quivered as she lay back down on the table, her knees falling open. The doctor's eyes were glued to the patch of hair between her legs, his gaze intense and unyielding. He reached into a drawer and pulled out a cold, metallic instrument that looked like a pair of duckbills. "This is a speculum," he said, holding it up for her to see. "It will allow me to visually inspect the inside of your vagina. Now spread your legs even wider, I want to be able to take a good look at you."

Her heart racing, she nodded, not trusting her voice. He leaned in, parting her folds with his latex-covered fingers before inserting the speculum. She felt a pinch as it entered her, and she gasped as he began to spread it apart, the cold metal stretching her sensitive flesh. "It might be a bit uncomfortable," he said, his eyes never leaving her face. "But it's important that we do this."

The doctor positioned the speculum with a click that made her jump, and then stepped back, picking up a lamp that hung from the ceiling. "Now, hold still," he murmured, and she felt the warm glow of the light shine directly onto her most private place. He leaned in, peering through the speculum, his eyes searching.

"Ah, yes," he said, his voice low and gruff. "Your hymen is still intact. Good, good." The speculum remained lodged inside her, the pressure causing a strange, building ache that she couldn't ignore. The doctor's eyes remained focused on his task, his expression unreadable as he continued to examine her.

With a final nod, he removed the speculum, the sudden emptiness making her gasp. "You look in good health," he said, his voice echoing in the silence of the room. "What are you planning to study in college?"

Josie's mind raced. She couldn't believe he was asking her about her future while she lay there, exposed and vulnerable. "I-I've been accepted to study engineering," she stuttered, her voice barely above a whisper. She felt a strange mix of embarrassment and arousal, the latter of which she desperately hoped wasn't evident to him.

The doctor nodded, scribbling something on his clipboard. "Excellent choice," he said, his tone warming slightly. "You'll do well in that field." He then told her she could get dressed, and she hastily pulled her panties back up, feeling the sticky dampness between her legs. She stepped down from the table, her legs shaking as she reached for her discarded clothes.

As she dressed, the doctor's eyes remained on her, his gaze lingering on her body in a way that made her feel both self-conscious and desired. "Good luck at college," he said gruffly. "You're a beautiful young woman, and I have no doubt you'll go far."