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Examinations for Insurance

The origins of Belinda Bao's Female domination lifestyle

Author’s Note: This part is a prequel to a subsequent (not yet composed) addition to this storyline. The main character, Belinda Bao, will become the chief counsel of Ms. Reese’s boutique insurance company. This part presents the experience she had while in college that was the foundation for her female domination lifestyle.

Belinda Bao was a brilliant 20-year-old already in her final year of college. Academics came naturally and easy to her. She was somewhat nerdy and didn't socialize much. Quite by chance she started helping an older boy named Bobby- he was 28, who she met at a cafeteria on campus, with his studies. He was not a very good student and found it difficult to concentrate. He was also quite immature for his age and in a strange sort of way found comfort and security in Belinda telling him what he needed to study and hounding him to focus on the information that was important.

It was not a romantic connection. Actually, as time went by and Belinda found herself having to make a significant effort tutoring him, it was clear she was the dominant figure in their encounters, and he looked up to her and mostly complied with what she said. He became ever more dependent on her to pass his assignments.

Deep down there was something else going on with Belinda. She got a thrill being the dominant one in their interaction. It may have something to do with the experience she had freshman year; the only time she had a real boyfriend. After a few months he jilted her. She never quite recovered, and the episode left a bad impression on her for the other sex.

One day he came over to her apartment to report he did poorly on a big exam. When Belinda acted surprised and questioned him it became apparent he didn't study all the material she had prepared for him. When he could only muster a feeble excuse as to why he didn't study harder, Belinda became furious.

"You're not taking this study thing seriously, are you?" Belinda's voice echoed through the quiet apartment, her eyes narrowing into sharp slits. She stared at the young man before her, frustration etched into every line of her face.

Bobby, clearly taken aback by her outburst, fidgeted nervously. "I tried," he protested weakly, "I swear, I looked at what you gave me."

Belinda's anger grew with each passing second. She could feel her cheeks flushing and her heart racing. All her hard work, all her meticulously crafted notes and study guides, all wasted. "Don't lie to me," she snapped. "I can see right through it."

He swallowed hard, his Adam's apple bobbing nervously. "Look, I'm sorry, okay?" he offered, his voice trembling slightly. "I just had a lot going on."

Belinda's grip tightened on the textbook in her hand, her knuckles turning white. "You know what? I don't have time for this," she said, her tone icy. "If you're not going to take this seriously, I'm not going to waste my time helping you."

His eyes widened in surprise and fear. He had never seen this side of Belinda before- the side that didn't take failure as an option. "No, wait," he pleaded, his voice cracking. "I need your help. I'll do better, I promise."

Belinda's eyes searched his, looking for sincerity amidst the desperation. She knew he was in trouble, academically and perhaps in other ways she hadn't yet fathomed. As she tried to get her anger under control she declared, "What makes you think you can just say sorry and everything will be fine and your attitude will change?”

He took a deep breath, his shoulders slumping in defeat. "I know I messed up, but I really do need your help," he said, his eyes meeting hers with an earnestness she hadn't seen before. "I'll do anything. Study sessions every day- whatever it takes. I just can't fail these classes."

Belinda paused, her fingers tapping the book as if she was thinking. His remark "anything" struck something deep inside her that was aching to be released. "Anything?" she asked, her tone ominous.

Bobby, thinking he had won her over, nodded fervently. "Yes, anything. I'm serious. I'll change. I'll work hard. I'll do whatever it takes."

For a moment, Belinda was silent, contemplating his words. Then, she set the textbook down on the table with a thud. "Alright," she said, her voice still firm. "But I need to teach you a lesson you won't forget."

The young man looked at her quizzically. "W-w-what do you mean?" he asked, his voice laced with a hint of dread.

"I mean," Belinda began, her eyes never leaving his, "You need to understand that actions have consequences. If you're not going to take your studies seriously, then maybe you need a more impressionable form of motivation."

"W-w-what type of motivation Belinda," he asked with more than a little trepidation in his voice. She shot back looking him right in the eye, "A spanking. I'm going to give you a spanking. Hopefully that will make a lasting impression."

Bobby's face paled as the realization dawned on him. "A spanking?" he squeaked, his eyes widening in shock. You can’t be serious. I’m an adult. Come on Belinda, there has to be another way? How about I buy you dinner?"

Belinda, her expression unyielding. "No, you need to understand that there are consequences for not taking responsibility for your actions."

"But...but I've never...I don't..." he stuttered, unable to find the right words.

Belinda folded her arms across her chest. "This isn't a negotiation," she said firmly. "You said you'd do anything, and a spanking seems a fitting punishment."

“Belinda that would be sooo humiliating,” he sheepishly replied. “I don’t care,” she snapped back.

“Please Belinda, can't you think of something else. “he begged.

“Sorry, it's a spanking or I’m done with you,” she barked.

“No, c'mon, you know I can’t pass without your help,” Bobby nervously replied.

“Then bend over the couch and take your punishment,” she yelled.

The young man's eyes darted around the room, looking for an escape, but there was none. He knew he was trapped. With trembling legs, he approached the couch and bent over, his hands resting on the seat cushions.

Belinda experienced an immediate sense of satisfaction and feeling of domination seeing Bobby in the undignified position knowing she was responsible for it. She slowly approached him and as administered his punishment he whimpered, his voice thick with fear and embarrassment, "P-please, Belinda, it hurts, please stop spanking me, I’ve learned my lesson!” he cried.

But Belinda was unfazed. She knew that if he was going to learn his lesson, it had to be one that stung- both figuratively and literally. She delivered additional smacks, each one harder and more precise than the last. His bottom bounced with each impact, turning his bottom hot with pain that he could feel intensely.

His yelps grew louder and more desperate with each smack, his body squirming in an attempt to escape the punishment. Yet, Belinda remained steadfast, her hand moving rhythmically as she delivered the remaining smacks.

After a final smack that landed with an authoritative crack that resonated through the room Belinda announced, "Get up, that better have made a lasting impression on you.”

As he rose, he couldn't help but rub his sore backside, his eyes watering from the stinging pain. Looking at him in such a submissive and defeated state, Belinda basked in the realization of the control and dominance she had over the older male. She also noted a decided wetness between her legs. Administering the spanking actually turned her on.

Snapping back to the here and now from her thoughts she stated in a softer but no less commanding voice, "I hope that taught you a lesson!"

The young man nodded; his face red with more than just the sting of the spanking. "Yes," he murmured, his voice barely above a whisper.

Belinda studied him for a moment. She was surprised at her own strength; at the power she wielded in this moment. For a girl of her small stature, she had delivered quite the wallop. The smacking had been more forceful than she had intended, driven by her own frustration but there was something else. She had to admit she got pleasure spanking him. It made her feel empowered and dominant.

Belinda watched him leave, the door clicking shut behind him, and she was alone with her thoughts. She had never felt so in control, so powerful. The way he had cowed to her authority was...exhilarating. She felt a warmth spreading through her body, and she realized that the situation had greatly aroused her. The thought of it made her blush, but she couldn't deny the feeling.

That night as Bobby lay in bed he reflected on what had occurred. He was torn by conflicting emotions. On one hand, the sting of humiliation and hit to his manliness lingered like a bad aftertaste. He was a grown man that was given a spanking like a naughty child by a female eight years his junior. His masculinity was certainly in tatters.

Yet, there was something else, a strange thrill that he couldn't quite put his finger on. The way she had taken charge, the sound of her voice as she spanked him—it was all so overwhelming.

He rolled onto his side, his hand absently rubbing the tender flesh of his bottom. The pain had subsided into a warm throb, but the memory of her firm hand smacking his bottom remained vivid. It was as if she had branded him with her dominance, leaving an imprint that was both humiliating and...exciting.

The next couple of weeks were uneventful, with Bobby making a concerted effort to buckle down and study. He knew that if he didn't there would be consequences- consequences he wasn't eager to face again. His grades were acceptable, and he found that the fear of another spanking was a surprisingly effective motivator.

Belinda noticed the change too. He was more attentive during their study sessions, asking more questions and eagerly doing the work she assigned him. Maybe the spanking had done the trick after all. She also was enjoying the way Bobby in a certain way feared her and worked hard to stay on her good side. But she also couldn't help feeling a little...disappointed. The power she had held over him that night was intoxicating, and she found herself craving that feeling again.

Then came the week Belinda had to focus on her own studies because she had a major project deadline. Bobby on his own, floundered and reverted to his old ways, procrastinating and just not focusing and absorbing the material.

When Belinda finally had the time to review the paper he had written, she found it riddled with errors and lacking the depth required by the assignment. Her anger was a slow burn, starting as a small ember in her chest and growing with each page she read. By the time she finished, she was fuming. She called him and told him to come over immediately, her voice sharp with accusation.

When he arrived she got right in his face and demanded, "What is this?" holding up the paper. "You said you researched the subject."

Bobby's face fell, the color draining from his cheeks as he saw the look of disappointment and rage in Belinda's eyes. "I-I'm sorry," he stuttered, his eyes downcast. "I just... I guess I didn't manage my time well."

"That's not good enough," she said, her voice like steel. "You assured me you could handle this assignment on your own."

Bobby's eyes darted around the room, looking for a way to escape the wrath of his tutor-turned-disciplinarian. "I know," he whispered, his voice trembling. "I'll do better, I swear."

"Do better?" Belinda's voice was filled with incredulity. "This isn't about 'doing better.' This is about keeping your promises." She slapped the paper down on the table, the sound echoing in the tense silence that followed. "You're a grown man, Bobby. You need to learn to take responsibility for your actions."

Bobby's eyes grew wide as he realized the implication of her words. He knew what she was referring to, and a cold knot formed in his stomach. "But...but you said..."

"I know what I said," Belinda cut him off, her voice as sharp as a whip. "And if you're not going to keep your end of the bargain, you know the repercussions."

Bobby's stomach lurched at the memory of the spanking. He had hoped it was a one-time thing, a moment of frustration she had acted on in the heat of the moment. But now, as she stared at him with that cold, hard look in her eyes, he realized it was a tool she was willing to use again. And the thought of it made his insides twist into knots.

Belinda could see the fear in his eyes, and she knew he understood the gravity of the situation. She took a deep breath, her mind racing with possibilities. "You know what's going to happen now," she said, her voice low and even. "You're going to get another spanking. And since the last one didn’t seem to have a lasting impression with you I can assure you this one will!"

“Come on Belinda, please don't spank me,” he pleaded, “it is so humiliating.”

Ignoring his pleas, she walked into the kitchen with a determined stride, her eyes scanning the room for the perfect implement. Her gaze fell upon a sturdy wooden chair. She pulled it out from under the table, the legs scraping against the tiles. The sound of it sent a shiver down Bobby's spine.

Turning to face him, she gestured imperiously. "Come here," she said, her voice low and firm. Bobby swallowed hard, his eyes darting around the room as if looking for an escape. But there was none. He knew he had to face the music, or in this case, the chair.

"Take off your pants," she commanded, her tone leaving no room for argument.

Bobby's jaw dropped; his eyes wide with shock. "What? You can't be serious," he stuttered, taking a step back.

"I am," Belinda said, her voice unwavering. "Take them off, now!"

Bobby’s eyes grew wider as he realized she wasn't joking. His heart hammered in his chest, and he felt a cold sweat break out on his forehead. He looked around the room, as if searching for a way out, but he knew there was none. He pleaded with her not to make him have to take off his pants in front of her. She simply responded, “Do it, NOW!”

With trembling hands, he undid his belt and slowly pulled down his jeans and stepped out of them. There he stood in his tighty-whitey underpants. Belinda took in the sight, her own heart racing with a mix of excitement and control as she sat in the chair. "Now, get over my knee,” she said in a firm voice."

Bobby's eyes grew even larger as he stared at her, his face a mask of shock and dread. "What?" he croaked out.

"You heard me," Belinda said, her voice unwavering. Patting her knee expectantly. "Over my knee, now."

Bobby's legs felt like jelly as he approached her. He couldn't believe what was happening—he was about to be spanked again, and this time, it was going to be in his underpants. His face burned with embarrassment as he stepped closer, his eyes fixed on the floor. He could feel his cheeks reddening as he slowly bent over her knee, his stomach knotting with anticipation.

The moment he felt the coolness of her skin against his heated flesh, he realized that this was real. His hands rested on the floor and his legs dangled in the air. He looked ridiculous and felt totally humiliated. His dignity sapped away by this young, female tormentor. Belinda on the other hand felt exhilarated. She was enjoying both the humiliation she was inflicting and the feeling of total domination.

Her hand came down on the thin barrier of his underpants with a sharp smack that made him gasp. He could feel the heat of her palm through the fabric, and it was already beginning to burn. "This is what happens when you don't keep up with your studies," she said, her voice low and steady.

Bobby's legs kicked out wildly as she continued to pummel his backside, each smack landing with a resounding crack that filled the room. "Ow, ow, it hurts, Belinda, please stop!" he begged, his voice high-pitched and desperate.

But Belinda didn't stop. She brought her hand down again and again, her palm connecting with the thin cotton of his underpants. The sound of her hand striking him was punctuated by his yelps, and she could feel the heat building beneath the material. Her own breathing grew heavier, the exertion of her discipline mixing with the strange thrill that coursed through her.

Then, almost as a reflex, she reached down and pulled his underpants in one swift swipe down to his ankles. He yelped like a child, his body jerking in shock and trying to squirm away as his last slice of dignity was stripped away. He attempted to reach back to cover himself but Belinda was too quick, grabbing his arm and holding it at his side.

With fright in his voice, he looked back at her and screamed, “What are you doing Belinda. Why did you pull down my underpants? Let me up, this is sooo humiliating, he responded in a frantic voice.

She held him firm. The sight of his bare bottom, so vulnerable and reddened, brought a wave of satisfaction and power to her. She took a moment to admire her handiwork and to inspect his exposed backside. It was a stark reminder of who was in charge, and she reveled in the feeling.

Bobby, unable to move, buried his face in his hands, his body tense with humiliation and pain as the spanking continued. Each smack of her hand against his bare skin was a punctuation to his failure. He had never felt so exposed, so utterly at the mercy of someone else's will.

The sound of each impact filled the room, a rhythmic symphony of authority and submission. Belinda's hand was a blur, landing with precision on his tender flesh, leaving a trail of fire in its wake. He could feel the heat rising from his bottom, each smack more potent than the last.

"Please, Belinda," Bobby whined, his voice muffled by his hands. "I'll do better, I promise!"

But his pleas only seemed to fuel her determination. With each word, her hand came down harder and faster on his bare skin. He could feel the sting spreading, the pain radiating out from her hand's point of impact, turning his bottom into a map of her displeasure. It was as if each smack was a declaration of her dominance, and his cries for mercy only served to underscore his submission.

Bobby's squirms grew more frenzied as she continued, his body writhed and his legs flailed about to such an extent that in a desperate attempt to escape the pain his underpants flew off his ankles. He was bottomless. "Please," he begged, his voice high-pitched and pathetic. "I'm sorry, please stop spanking me, it hurts."

But Belinda's hand didn't let up. "You're not going anywhere until you’ve learned your lesson," she said, her voice firm. "Now hold still or this will go on much longer."

Bobby's body stilled immediately, his breathing shallow and quick as he lay limp over her knee. He didn't dare move, the fear of her words and the sting of her hand keeping him in place. The spanking continued, each smack a stark reminder of his failure to meet her expectations.

Belinda noted his cock became wedged between his body and her leg. This was an added delight for her.

Finally, she stopped, her hand hovering over his reddened skin. After taking a long, satisfied look at her handiwork she abruptly pushed him off of her and he tumbled onto the floor.

Bobby's eyes remained glued to the floor, his cheeks flaming with a mix of pain and embarrassment. He could feel the heat radiating from his backside, and the last thing he wanted was to look up at her and see the triumph in her eyes. She continued her assault, this time verbally reprimanding him. But he knew he had no choice. He slowly lifted his gaze to meet hers, his eyes filled with unshed tears.

She continued,"Look at what I had to do to get through to you and teach you a lesson that will have a lasting impact," she lectured, her voice filled with a mix of disdain and satisfaction as she surveyed the damage she had inflicted. "You've really let me down, Bobby."

He sat there, his bottom red and throbbing, the coolness of the air in stark contrast to the heat emanating from his skin. He could feel the wetness from his eyes trickling down his cheeks, mingling with the sweat that had formed on his brow. He felt utterly exposed and emasculated.

"Look at yourself," she said with a hint of scorn, "sitting there with your bare bottom on display. You should be ashamed of yourself." Belinda took the opportunity while he was bewildered to study his exposed cock.

Bobby's face burned with humiliation as he remained on the floor. When he realized where she was staring his hands clumsily moved to cover his privates. He felt like a naughty child caught in some mischief and disciplined by a parent, but the realization the punishment was dished out by a female younger and smaller than he was served only to amplify the humiliation. He was totally deflated.

"Get up," she said, her voice still firm. "How silly you look sitting there all exposed to me. Put your clothes back on."

Her words snapped him out of his ashamed stupor. He hastily collected his lower clothing strewn on the floor and scampered to the safety of the bathroom doing his utmost to hide himself from Belinda’s staring eyes but not before she landed one last smack on his sore bottom.

Belinda watched with a swelled up pride as his rosy red backside came into view as he fled knowing she was the cause. A mix of satisfaction and curiosity came over her. She had never felt so powerful, so in charge. It was a feeling she hadn't realized she craved until now. Bobby, on the other hand, was trying to wrap his head around what had just transpired. The pain from the spanking was still present, but it was the humiliation that really stung. He had never been so thoroughly dominated by someone. His self-esteem had been dealt a terrible blow.

The bare bottom spanking or the threat of additional punishment seemed to be helping. He was taking his studies more seriously. One evening Belinda spoke to Bobby about this and although he was ashamed to admit it he knew she was right. He attempted to get her to see his side of the story- he was an adult and to be spanked, particularly by a female, and worse one younger, was terribly demeaning and the ultimate shame.

Belinda was having none of it. She cut him off barking, “I don’t care about your shame or hit to your ego or manliness. You don’t exhibit maturity when it comes to your studies. And just lecturing you doesn’t seem to be adequate.”

Belinda could not get the spanking incidents out of her mind. Every time she thought about it she would become excited and admittedly a little turned on thinking about the control and complete domination she had over Bobby. She found herself drawn to sites on the internet concerning spanking, domination and even BDSM. Most of what she read and watched didn't appeal to her. It was not the pain she was inflicting that was turning her on, it was the control and domination that were the real root of her excitement. Bobby's submission to her and mostly the humiliation she dished out were the turn on.

When the semester ended Bobby was elated, he had received respectable grades in all his classes. He knew this achievement was mostly due to Belinda’s expert preparation, assistance and constant encouragement. He also knew the threat of her punishing him for failure had played a part in keeping him focused.

Bobby also realized next semester would be an even greater challenge given the higher-level classes he had to take. And because of that he knew full well he would need a great deal of assistance from Belinda. This truly worried him because that made him ever more dependent on her. She had all the leverage.

Interestingly, Belinda was having her own thoughts about the situation between them. She was way beyond trying to suppress the almost erotic feelings she had whenever she thought about the discipline she had administered to Bobby. She was in turmoil internally because even though she knew it was wrong the more she thought about it the more she wanted to engage in additional domination activities with Bobby. She found herself becoming excited when she daydreamed about doing to Bobby some of the things she read and saw on the internet. She just wasn't sure how.

About two weeks into the new term an event occurred to change Belinda and Bobby's relationship forever. Bobby's vehicle was in the shop. Belinda agreed to pick him up after his last class and drive him to his apartment.

As soon as he got in her vehicle, she knew something was up. After a brief silence Belinda inquired, "O.K., what's going on." At first he tried to evade her question but finally admitted he missed an important lecture because he was having coffee with a friend and he lost track of time.

Belinda went ballistic. She pulled over and really laid into him. Giving him a verbal dressing down. He tried to apologize but he knew it was useless. She was livid. She screamed, “I don’t know how to get through to you. You’re incorrigible!” After screaming at him for a while longer she looked at him with disgust on her face and then the words just seemed to come out of her mouth, "Take off your pants!"

Bobby's eyes grew wide with shock and fear. "What, why, right here?" he sputtered.

Belinda's expression remained cold and firm. "Take them off, now!" she shouted, her voice leaving no room for argument.

Bobby's face was a picture of horror. How could she do something like this in such a public place. He stammered, "But, but Belinda, we're in your car."

"I am very serious," she said with a firmness that made his heart sink. "You're impossible. Now you're going to face the consequences. I told you to take your pants off. Do it!"

Bobby's mind raced as he thought about her words and what to do. He knew she was dead serious and that his options were not very tasteful.

In utter shame he sighed deeply and slowly unbuckled his seatbelt and clumsily tugged at his pants edging them down his legs. The car was parked in a relatively secluded spot on the campus, but he was acutely aware of the danger of being caught. His hands trembled as he obeyed her command, his cheeks burning with embarrassment. The coolness of the car's leather seats against his bare skin made him cringe.

Belinda grabbed his pants and tossed them into the back seat with a disdainful look. "Now the underpants," she demanded, her voice unyielding. Bobby's heart was racing. He had never been so utterly at her mercy. He slowly pulled his underpants down and off his ankles, his face a picture of horror and humiliation. He instinctively covered his crotch with his hands.

With a flick of her wrist, she sent the garment flying to join its companion in the back seat. Belinda took a long while to study the bottomless Bobby sitting in the passenger seat. He looked so silly sitting there bottomless with his hands shielding his crotch from her view.

As she admired her handiwork she said, her voice icy and smug, "You've earned this. Now, you'll ride home bottomless."

Bobby's eyes grew wider than saucers, his face a mask of utter humiliation. "But what if someone sees us?" he whispered, his voice shaking.

"Good," Belinda replied with a smirk. "Maybe then you'll be more attentive and alert."

Bobby's heart was racing as the reality of the situation settled over him. He was sitting in a car with no pants or underpants on in the middle of a college parking lot. The fear of being seen was a constant hum in his ears.

“I hope someone does see us,” she shot back, her voice filled with a malicious satisfaction. “Maybe then you’ll understand that actions have consequences, and you can’t just ignore your responsibilities and expect to get away with it. You're going to learn to take things seriously."

With that, she began to drive through the parking lot. Bobby cringed at every passing car and pedestrian they passed, his bare bottom sticking to the cool leather seat, his cheeks burning with humiliation. He couldn't believe this was happening. He felt so exposed, so vulnerable.

As they pulled out onto the main road, he tried to hide his bare legs, but the sensation of the seat fabric brushing against his bare skin only served to remind him of his predicament. He stole a glance at Belinda, whose eyes remained focused on the road ahead, a smug smile playing on her lips. He sensed she was enjoying every moment of his suffering.

Bobby's discomfort grew with each passing minute. He squirmed in his seat, trying to find some semblance of comfort, but it was futile. The cool breeze from the open car window made him shiver, the sensation against his exposed skin adding to his mortification. He kept his eyes glued to his lap, not daring to look anywhere else.

Belinda's smirk grew wider as she glanced at him, her eyes flicking down to his nakedness and then back to the road. She was enjoying the suffering she caused him.

When they arrived at his apartment, she chose the spot where there was the least foot traffic. It was a deliberate move on her part, a silent reminder that his humiliation was not yet over.

The car rolled to a stop and she turned to face him, her eyes cold and assessing. "Take your hands from your crotch. You'll sit here exposed to me as I for the nth time lecture you about the importance of staying on top of your school work.

Bobby knew it was senseless to argue with her given her mood so as embarrassing as it was he did as she directed. As she sternly reprimanded him his humiliation grew knowing her eyes were deliberately staring at his genitals as a form of punishment in and of itself.

When she was finished speaking her piece he asked meekly, "Can I please get dressed now?"

She snapped back. "No not yet. I'm not finished with you."

Come on Belinda, haven't you done enough. I've learned my lesson," he responded meekly.

She shot back, "Oh no, I don't think so. Get up on your knees in the seat and face away from me."

"What? Why?" he inquired in a stunned and frightened voice.

"Because I said so. Now do it," she shouted.

Her forcefulness took him by surprise, and almost instinctively he did as she ordered. While assuming the humiliating position he looked at her and asked, “Why are you doing this to me Belinda?

Belinda said nothing and after he was in position for a moment simply took the scene in reveling in the power she had over him. She hungrily visually inspected his exposed backside noting in particular his back opening that was visible due to the way his legs straddled the seat. She bent forward and was rewarded with a partial view of his testicles hanging between his legs. She was really enjoying this.

After what seemed like forever but was actually only seconds she smacked his upraised behind so hard his head hit the window. Taken completely by surprise he shrieked yelping owww, that hurt!”

Full of confidence she boldly announced with more than a little hint of sarcasm, "You really look foolish. Don't you have any self-respect. Kneeling there with your naked backside on display. How pitiful. Put your clothes back on."

Bobby's movements were awkward as he leaned over to grab his pants and underwear from the backseat. He was acutely aware of the way his bare bottom was sticking up in the air, vulnerable and exposed. As he reached back, she took the opportunity to deliver one more brutal smack, her hand landing with a loud crack that made him jump. He yelped yet again, but knew better than to say anything, too ashamed to protest.

As he pulled on his clothes, an awkward process in the restricted space of the passenger seat, she told him she wasn't sure she was going to tutor him anymore. She said she had better ways of utilizing her time since he wasn't taking all her effort seriously.

Bobby's heart sank. He knew he needed her help. He feebly stuttered out an apology, his voice shaking with a mix of fear and humiliation. "I'm sorry, Belinda. I really, really need your help to pass. I'll do anything, just please don't abandon me."

Belinda laughed at his comment, "You'll do anything! We've been there, done that and you haven't changed," she shot back.

Bobby's face grew redder as he mumbled his apology again, his voice filled with desperation. He knew he had crossed a line, and he was willing to do whatever it took to make things right.

She knew she had him exactly where she wanted. This was her means to get him to submit to her in any way she saw fit. She wasn't going to make it easy for him though. Let him worry and stew. He'll be more pliable that way. "I just don’t know," Belinda said coolly, her eyes never leaving his face. "You've proven that you can't be trusted to hold up your end of the deal. Why should I keep helping you?"

Bobby’s panic grew with each word. He knew he needed her. "Please, Belinda," he begged, his voice desperate. "I'll do better, I promise. Just give me one more chance." Then with fright etched on his face he found himself saying before he could even consider what came out of his mouth. "Belinda how about we go up to my apartment and you give me a good spanking. That has worked in the past. I'll even take off all my clothes for it. Please Belinda, please. I'm begging you."

Belinda's eyebrows shot up, and for a moment, she just stared at him, her expression unreadable. Then, she leaned back in her seat, considering his words. The silence in the car was deafening, filled only with the sound of Bobby's racing heart.

"I just don't know. I will give it some thought. I don't want to talk about it anymore. I need to go to a lecture of my own, so get out of the car," she said with little emotion.

Bobby stepped out of the car, his legs feeling wobbly, his cheeks still burning from the verbal dressing down she gave him and making him travel bottomless. He watched as Belinda drove away, leaving him to contemplate the depths of his humiliation. He knew he was trapped because he was dependent on her. She had all the leverage over him.

Days went by, and Bobby waited anxiously for a sign from Belinda, hoping she would forgive him and agree to tutor him again. He knew he was playing with fire, but the thought of losing her help was too much to bear. His academic future felt as if it hung in the balance.

The new semester was in full swing yet Belinda was still contemplating what to do about Bobby. She had to admit to herself she did get a thrill being dominant in their relationship and in particular disciplining Bobby.

One day she received a call from him saying he was not feeling well. Because she had prepared some material for him in advance she knew he had a number of assignments to complete. The thought entered her mind he may be faking to get both sympathy from her and to get her to give him additional assistance on the assignments since she had been standoffish since their little spat in her car.

Then out of nowhere she remembered a video she had seen when searching the internet. It was during one of her late-night searches. She came across and watched a video with a medical theme. A very attractive female doctor had her older male patient lying on his stomach on the exam table naked from the waist down. The video showed her taking his temperature in his backside. The way the woman handled him, the power she had over him, and the way his face contorted with a mix of embarrassment and submission was something Belinda remembered vividly and also excitedly. She had an idea!

She had only been partially listening to him whining on the phone about being sick while she was crafting her plan. When she decided exactly what she was going to do she interrupted him. Acting somewhat annoyed, she told Bobby she would stop by his apartment to check on him on her way to a dinner event.

Instead of wearing the conservative business pantsuit as planned she decided to change from pants to a short skirt and her highest heeled black shoes. But before getting dressed she ran down to the drugstore to make a special purchase. She was becoming more turned on with each passing minute. Belinda could hardly wait to get to Bobby’s place.

When she arrived, she walked in without knocking, her demeanor cool and authoritative. Bobby was lying on the couch under a blanket, a look of dread on his face. He said she looked good and that he didn’t know the event she was going to required her to get so dressed up. After some additional small talk she sat next to him and felt his head. She then got up, went to where her purse was, and took something out of it.

When she came back to the couch she announced almost cheerfully, “I’m going to check your temperature, turn over on your stomach.”

Bobby just stared at her mumbling, “Why do I have to turn over?”

Saying matter-of-factly, “Because I’m going to take it rectally!”

“What, why. Why can’t you take it in my mouth?” He said with more than a little trepidation in his voice.

Acting amused she shot back, “Because this thermometer doesn’t go in the mouth.”

“Come on Belinda, that would be terribly humiliating having it done that way. I’d feel like a little child. And having you do it…,” he sheepishly replied.

Belinda cut him off in mid sentence. She was not to be deterred, “Listen Billy, I don’t have time to argue with you. Now roll over or I’m leaving,” she shot back.

He mumbled a weak protest, “You’re just taking advantage of the situation because you know I need your help with my studies.”

Not getting a response from her he knew he had no option if he hoped to convince her to continue tutoring him so he slowly did as she directed. As soon as he was on his stomach she took the blanket off him revealing his tighty whitey underpants, the only thing he was wearing. She was getting a little excited as the situation unfolded.

For Bobby even though Belinda had seen him in various states of undress and bottomless this situation seemed different, and a new wave of embarrassment came over him as he was uncovered. He also felt vulnerable and had a heightened sense of submissiveness given what she was going to do.

Belinda reached down to grab the waist of his underpants and yanked them down to his knees. She then turned to prepare the thermometer. When she deliberately moved to where he could see her as she coated the thermometer with lubricant he buried his head in the pillow.

Billy in a defeated voice complained, “I can’t believe you are doing this Belinda. It is so undignified.”

Laughing, Belinda shot back, “Come on Bobby, it's not like I haven’t seen it all before.

All he could respond, “It's not funny Belinda.”

Belinda having a good time of it added insult to injury by lightheartedly saying as she sat on the couch next to him, “This might feel a little cold as I insert it in your bottom.” She next expertly spread his cheeks with one hand and with the other smoothly pushed the glass rod inside of him just like the female doctor did in the video.

As he lay there with the instrument protruding from his backside Belinda took the time to visually inspect his backside. She also snuck a peek between his legs and was rewarded with a glimpse of his testicles, noting how hairy he was back there. She was quite proud of herself and thoroughly enjoying the whole episode.

At one point he raised his head and looking back at her grumbled, “This is soo embarrassing having my temperature taken this way and by you.

Belinda’s only response was, “Stay still or the thermometer will fall out and I’ll have to start over.”

He next, as if to change the dynamics of the situation asked her, “Why are you all dressed up, I thought it was just a dinner?”

She reminded him about her invitation to the honors dinner and the opportunity attendance provided to meet recruiters from some of the top law schools..

For anyone who would walk in on them it would be quite the sight. A smartly dressed female hovering over a bottomless male lying on the couch with a glass instrument sticking out of his back hole.

Each was left with their own thoughts as they waited for his temperature to register. Bobby embarrassed as he was had to admit to himself the thermometer felt almost soothing inside of him and he was experiencing a comforting sensation, a kind of warmth.

Belinda on the other hand was reveling in this dominance and control thing she had over Bobby. As she looked down on his nakedness she could almost feel his submissiveness and she had to admit she was more than a little aroused.

When time was up she extracted the thermometer as smoothly as she inserted it. As she read the instrument she kept one hand lightly on his bottom. In a confident voice she said, “just as I thought, 98.6, your temperature is normal. Bobby I don’t think you’re sick. I think you’re faking!”

Bobby raised his head and turned back to look at her. In a show of defiance he responded, “I am too.” He then went on in a very unconvincing manner to try to explain his ailment to her.

Belinda was convinced he was faking most likely in the hope of getting her to help him get through his soon to be due assignments. To show she was onto him her hand that was resting on his backside came up and she administered a blistering smack on the young man’s left ass cheek.

Taken completely by surprise he yelped from the stinging of the blow and jumped off the couch and fled toward his bedroom trying to get away from her while attempting along the way to pull up his underpants. Belinda chased him but she had her own liability, the high heels she was wearing. She caught him at the bedroom door before he had an opportunity to close it. She grabbed his arm and dragged him back to the couch.

She pushed him down and stood over him. His underpants were bunched around his knees. She unleashed another blistering verbal attack on everything from his failure to take his studies seriously to lying to her and faking being sick

He tried to interrupt her again claiming he really wasn’t feeling well.

She stared at him and after a short silence announced, “Alright, I think you’re full of baloney, but we’ll get to the bottom of this. Tomorrow I’m going to take you to the doctor to see who is right.”

Not waiting for a response she went on to say, “I need to leave. I’ll call you in the morning to tell you what time I’ll pick you up to go to the doctor.”

Nervously as she was preparing to leave he responded, “Belinda you don’t have to do that. I’ll be fine with a little rest. I don’t want to go to the doctor”

As she headed for the door her only response was, “Tomorrow you’re going to the doctor, and that’s that.” Then just as she was getting to the door she turned to look at him and as a last torment said in a smug manner, “Bobby, pull your underpants up you look awfully ridiculous sitting there naked.” Then she was gone.

The next day after being unsuccessful in getting Belinda to change her mind Bobby found himself walking into a doctor’s office accompanied by a standoffish Belinda. He wondered what he was getting himself into and was more than a little uneasy about what the doctor would do and say.

Bobby didn’t know what to think when he and Belinda were shown into Dr. Clifton’s office (Dr. Clifton is a character in the Exam Day part of Examinations for Insurance series). He was more than a little apprehensive when he saw the doctor was a woman, and a very young and extremely attractive woman, who had a strong resemblance to Nicole Kidman. As they sat down around the doctor’s desk Bobby immediately felt inferior, he was in the company of two very intelligent females.

Doctor Clifton was dressed smartly, underneath her white lab coat she wore a surprising short skirt and dark stockings and black pumps. Her hair was short and perfectly coiffed. The office was very modern looking and decorated with many pictures of the doctor engaged in various outdoor activities like hiking and technical mountain climbing. The room was furnished with very stylish furniture mostly colored white.

As Bobby looked to the side and behind him he was surprised to see an examination table and next to it a curtained partition. He wondered what he got himself into. He quickly learned the doctor and Belinda knew each other. The doctor served as a mentor to Belinda when she was in college and Belinda was in an advanced program while in middle school.

As the two caught up Bobby felt subordinate to the two women as they talked about careers and things going on in their lives. He also felt like a child because he was all but ignored. The two women laughed and discussed in great detail Belinda’s plans after graduation.

After a number of minutes, the doctor turned her attention to Bobby and the reason for the appointment. She asked a number of health questions both general and specific. Bobby still couldn’t articulate in a coherent manner what was ailing him. When Dr. Clinton asked him the last time he had a physical, he had to admit it was back when he was in high school. She raised her eyebrows and almost as an admonishment said, “That’s way too long. Since you’re here I think we’ll do a complete physical.”

Bobby’s eyes opened wide. In a feeble attempt to change the doctor’s mind he meekly stuttered, “That’s not really necessary. I’m sure I’ll be better in a couple of days. I don’t want to take up your time”

Dr. Clinton cutting him off confidently shot back, “You’re missing the point. You haven’t had a complete physical in a long time. You need to take better preventive care of yourself.”

With that settled the doctor continued with her questions. At one point Belinda chimed in that she was suspicious of Bobby’s claims. She went on to say he didn’t appear to have any outward signs of sickness and wasn’t running a fever.

What Bobby didn’t know was when Belinda called Dr. Clifton to ask her as a favor to see Bobby, she gave the doctor a complete run down on their relationship and everything that had transpired between them including her strong suspicion Bobby was faking and why.

Dr. Clifton much to Bobby’s surprise kind of came to his defense saying sometimes there are no outward signs when someone is not feeling up to par but the individual can tell he/she is not right, physically that is. Bobby took comfort in the thought perhaps the doctor would side with him against Belinda.

After this little exchange Dr. Clifton announced, “Shall we get started.” Turning to Bobby again she in a confident if not slightly arrogant tone said, “What I need you to do for me is go behind the screen, remove all your clothes except for your underpants. When you’re done come out and have a seat on the examining table.”

In a meek voice Bobby asked, “All of them. Do I have to take all my clothes off? It's only a physical.”

Doctor’s only response was, “Yes, everything other than your underpants including your socks!”

Bobby persisted, “Can’t I leave my pants on.”

Sounding annoyed the doctor responded, “No, I want you in your underpants for the exam.”

Getting nowhere with the doctor, Bobby turned to Belinda and almost pleading, “You’re not going to stay here while the doctor examines me?

Belinda gave him a look that really said it all but said, “Bobby please, do I need to say anything more.” He knew exactly what she meant and dropped his head in defeat.

Bobby looking dejected and totally bewildered got up and as he turned an even darker shade of crimson slinked toward and then behind the screen.

Belinda and the doctor went back to catching up with each other. They were quite animated and loud. The doctor reiterated her great disappointment that Belinda chose to pursue a career in Law rather than Medicine.

When Bobby was behind the safety of the screen he tried to collect his thoughts. He was way beyond confused, and paralyzed by shame. He couldn’t believe the predicament he found himself in. He was told by the young, extremely attractive female doctor to strip down to his underpants for her. What was she planning to do to him? The few times he had been to a doctor in the past the doctors were old men. And Belinda, who had this stubborn leverage and control over him, was not only responsible for the situation she was going to observe.

He thought about simply leaving but knew that would probably end his arrangement with Belinda and thus his ticket to passing his courses. After additional dazed thought he snapped back to the here and now and the doctor’s direction for him to undress

After having procrastinated for what seemed like forever he finally undressed and stood in only his tighty whitey underpants. He hesitated, ashamed to come out to where the two females were. His hesitation was short-lived as Dr. Clifton inquired, “Are you ready in there yet?”

It was almost comical when he finally emerged, hands clasped tightly over his crotch and made his way to the examination table. Both women made little pretense to hide the fact they were watching his every move.

Bobby sat uncomfortably on the exam table realizing he got himself into a real jam and knowing there was no way out of it. He didn’t feel very manly sitting there in his underpants in front of the two fully dressed females. And Dr. Clifton was young, attractive and successful. He wondered what she was going to do. What she had in store for him. The uncertainty was gnawing at him. He hoped because she permitted Belinda to remain for the exam that maybe it would be quick and not that bad.

The attractive female doctor walked over to the exam table and Belinda swung around in her chair to face where Bobby was seated. Belinda thought back to the internet searches she had done and in particular the medical themed videos. She wondered how Bobby’s exam would compare to the very erotic ones she watched. She was hot with anticipation and could feel herself getting excited.

Dr. Clifton was slow and methodical. Bobby seemed very antsy while he was being examined. At one point when his blood pressure was being taken he glanced over toward Belinda as if to say please don’t watch.

At one point the doctor turned to Belinda and confirmed, “You said you took his temperature?” Belinda almost crowing shot back, “Yes, yesterday evening and I took it rectally.”

Bobby cringed when Belinda said this. It made him feel even smaller and inferior. A deep sense of shame came over him now that the doctor knew how Belinda had taken his temperature.

The doctor chuckling said out loud to the room in general, “Great. To maintain consistency I’ll do the same.”

The doctor then instructed Bobby to lie down on the table on his stomach and lower his underpants.

In a whiny voice Bobby complained, “Do you have to do it that way? Why can’t you take it in my mouth?

Dr. Clifton jumped on the opening by issuing a little verbal humiliation, “Belinda took your temperature rectally. It's important to maintain consistency. Now lie down like I told you to.”

Bobby could not believe this was happening. He looked over toward Belinda hoping she would be more sympathetic but rather she appeared aloof and had a smug look on her face. His heart sank because he realized she was not going to rescue him.

Mortified and displaying a very crimson face he reluctantly and very tentatively laid down on his stomach on the table. Apparently his reaction time was not fast enough for the doctor. As soon as he was in position she effortlessly and swiftly like she had done it many times before lowered his underpants to the knees. He buried his head in his arms.

As soon as his backside came into view Dr. Clifton smiled and brought her hand to her mouth when she saw the pink color of his cheeks. She turned to Belinda and waved her hand imitating a hitting motion. Belinda simply nodded with a self-satisfied look on her face. Dr. Clifton smiled as if in approval. Belinda smiled back.

The doctor turned to retrieve the thermometer and after smearing it with lubricant expertly spread his cheeks with her thumb and index finger and smoothly inserted the glass rod deep in his rectum.

As Bobby lay there he felt like a child. He felt hot with embarrassment knowing both his backside was exposed to the two women and how silly he must look with the instrument protruding out of his back hole.

He next was marched to the scale in the corner of the room so Dr. Clifton could register his weight and height. Belinda was really enjoying the way the doctor made him parade around in his underpants in front of them. The doctor was in complete control.

It was then back to the exam table so the young doctor could continue her examination. She was deliberate in her actions and quite thorough in her examination, first checking his eyes and throat and then moving down to his neck where she checked for lumps. She checked his reflexes and listened to his heart with a stethoscope. The cold metal of the stethoscope made him flinch as it touched his chest, and her gentle but firm instructions to breathe in and out, in and out, only served to make him more aware of his inferior status. Bobby was trying to stay calm, but it was disconcerting having to follow the orders of the doctor and to be sitting there in only his underpants in front of the two females.

After listening to his back Dr. Clifton took the stethoscope from her ears and directing her comments to Belinda announced, “He doesn’t have any congestion in his lungs. That is good, I thought perhaps that was where we were going to find the source of him not feeling up to par. There has been this bug going around that seems to lodge in the lungs.

Turning back to Bobby, she told him to lie down on his back. She checked his abdomen, asking him as she moved her hands around his body if he felt any pain. At one point she put her hand in his underpants making him stiffen and close his eyes.

After this the doctor told Bobby to stand up. As he did she pulled a movable stool over in front of him and sat on it. She had him bend various ways to check his skeletal and muscular form. She had him lift and move his legs this way and that.

Then after having him turn around to face away from her the doctor nonchalantly reached out and stealthily pulled Bobby’s underpants down to his ankles.

Belinda noticed the young man’s face became an even darker shade of crimson and he had an impression of anguish on his face. When his pink hued backside came into view for a second time Dr. Clifton exchanged another approving smile with Belinda.

There was nothing the poor young man could do. His last bit of dignity was now resting around his ankles. He was naked, fully on display to the two women. He felt like he was trapped in a nightmare.

The doctor had him bend forward then she in a deliberate action spread his ass cheeks wide to visually inspect his anal opening, A surge of excitement ran through Belinda as his hidden most private body part was revealed. Bobby was beyond embarrassment. He could hardly bear the humiliation. And things didn’t get any better for the young man. Next the doctor instructed him almost cheerfully, “Bobby, turn around and face me.”

Bobby blushing profusely meekly turned to face the young doctor with utter shame written all over his face. When his genitals came into view Belinda could hardly control herself. Bobby was completely exposed to them.

As the doctor donned surgical gloves her eyes scanned his body with a professional detachment that nevertheless made him feel like he was on show. His unease intensified because she seemed to have no inclination to allow him any decorum of modesty.

With him standing fully exposed Belinda became mesmerized and way beyond simply turned on. This was like a wish coming true. She found it hard to take her eyes off Bobby’s nakedness. She leaned forward to watch more intently.

Dr. Clifton then examined Bobby down there carefully. She began with a visual inspection, her eyes meticulously scanning his genitals with the same scrutiny she had given the rest of his body. He felt a bead of sweat trickle down his spine as she leaned in closer to get a better view of his privates.

Her fingers were cool and firm as they touched him. He flinched and instinctively pulled away at her first touch. She responded almost in a manner to show her dominance, “Stand still, I need to check your testicles and penis and then make sure you don’t have a hernia.

She got back to business, first palpating one testicle then the other. She checked for any signs of swelling or irregularities. He tried to keep his breathing even, but each touch sent a jolt through him. She next seemed to cup each sac as if to weigh it. She lifted each testicle to visually inspect the underneath that was hidden from her view.

Belinda paid particular attention when the doctor was manipulating his testicles, seemingly rolling them in her fingers.

Next, the doctor abruptly yet firmly grasped and squeezed a testicle. “Turn your head and cough for me Bobby," she instructed, her matter-of-fact tone belied the intimacy of the situation. He obeyed, his face burning as he heard the rustle of latex against skin. When he coughed the sound echoing in the room. He felt her release pressure on that testicle and squeeze the other. He was told to turn his head and cough once more.

The sensations going through him were strange, a mix of humiliation and discomfort.

Dr. Clifton moved on to examining his shaft, her grip firm as she mentally measured its length and girth, her eyes glued on what she was doing. She lifted his shaft, ran her fingers down its length and moved it from side to side. Her fingers next circled the corona. She paid particular attention to the head. As a final humiliation, she squeezed the pee hole. He started to become nervous and ashamed as his manhood began to stir in response to her manipulation.

When the doctor finished checking his genitals it appeared to Belinda that an expression of relief came across Bobby’s face. It didn’t last long. The doctor next commanded, “Step out of your underpants and put them on the table and go back to the exam table.

By this point Bobby was completely out of fight. Almost robotically he did as instructed. Belinda wondered what the doctor was doing. She didn’t have to wait long to find out. As Dr. Clifton approached the exam table she reached out and extended the stirrup attachments on each side. She then instructed Bobby to sit on the end of the table between the stirrups.

In a terrified voice Bobby asked, “What are they for,” pointing to the stirrups.

The doctor in an obviously amused tone offered a mechanical response, “They’re to rest your feet. I’m going to conduct your rectal exam while you’re in the lithotomy position. Now lay back for me.”

Totally defeated he offered no resistance as the doctor gently pushed him down so he was lying flat on his back. Dr. Clifton next expertly guided each of his legs into a metal extension. When he was in position all Belinda could do was stare. The position left him terribly, or wonderfully from her perspective, exposed. She could clearly see his back hole and his cock in its slightly engorged state was resting on his testicles for her to visually enjoy. None of him was hidden from their view. She was ecstatic.

Belinda just had to ask, “Doctor, I thought stirrups were just used for gynecological exams?” Dr. Clifton almost proudly responded. Many of my doctor friends have started performing male genital and rectal exams in this position. As you can see it opens the patient nicely and makes visual inspection and insertion easier.”

All Belinda could think of is how the position he was in with his legs raised high in the air and back toward his torso and his legs spread widely was the most erotic thing she ever witnessed. Even more so than when she spanked his bare ass or when getting him naked.

Dr. Clifton pulled the stool over and after sitting on it positioned herself between Bobby’s raised and outstretched legs.

With both women staring at him the doctor ominously snapped on a new pair of gloves and collected medical instruments that she placed on a rolling table next to her. He sighed deeply and resigned to his fate put his hands over his face as if to extract himself from the unenviable situation he was in.

Dr. Clifton certainly didn’t make the situation any easier for him because as she prepared to conduct the exam, maybe for the benefit of Belinda, she felt it necessary to tell him, “I’m going to enter you with my finger. You may feel pressure in your bottom as my finger enters and is inside of you.”

As the doctor began the exam, Belinda- who was in seventh heaven and could hardly contain her excitement, again started experiencing strong sexual stirrings as she watched. To her, with him being placed in that exposed, degrading position by a woman and facing that woman exploring his most private body part, was the ultimate empowering situation.

Melinda was torn between wanting to observe up close Dr. Clifton’s examination and desiring to watch Bobby’s facial expressions as the doctor probed him down there. How satisfying all this was she thought to herself.

When Dr. Clifton inserted her gloved, lubricated finger into Bobby’s back hole he let out a low grunt. When Dr. Clifton’s finger came in contact with his prostate his manhood almost immediately jumped, and he started moving his pelvis and emitting moaning sounds. It wasn’t long before his cock was almost fully erect.

Belinda was fascinated by this development. She had to cover her mouth to stifle a giggle. Bobby was hot with embarrassment knowing the doctor and Belinda had an unfettered view of his erection.

After withdrawing her finger, Dr. Clifton reached over to the table and retrieved an instrument that looked similar to a speculum to Melinda. The doctor then in a professional tone said to the shamefaced man, “I’m going to open you up wider using a rectal speculum so I can visually inspect your insides with the aid of a light.

As the doctor proceeded Bobby kept his hands tightly clasped over his face. Now in addition to the terrible humiliation he was enduring in the presence of the two women he now had to deal with discomfort and he grimaced as the instrument was pushed inside his rectum and opened. At one point he let out sounds as if he was in pain.

After what seemed like an eternity to him Dr. Clifton withdrew the speculum and set it down. As she rose from the stool she was seated on and as she peeled off the surgical gloves the doctor announced, “OK Bobby you can dismount from the stirrups. Then go ahead and put your underpants on and join us back at my desk so we can go over the results of your exam.

Bobby with not a shred of dignity left and to go with it his masculinity stolen by this female tormentor quickly retrieved his underpants and hastily put them back on not caring if he looked foolish in doing so in front of the women.

Sensing his torture was almost finished he hurriedly made his way to where the two women were seated. Belinda thought it amusing even after all that took place that Bobby was sitting there in his tighty whitey underpants in front of her and the doctor while they talked.

When he was seated the doctor began her review saying, “Bobby, I've given you a very thorough physical exam. You appear to be a healthy 28-year-old male. I could find nothing to explain why you're not feeling well.”

Then more to intimidate and scare him with the intent to encourage him to come clean if he was faking the doctor went on to say, “But since you insist you don’t feel right, I want to send you to a specialist, a friend of mine. She will be in a position to make an even more thorough examination.”

Bobby, maintaining his sheepish tone in the presence of the two women responded, “I-I-I don’t think that will be necessary.

The doctor quickly shot back, “I think it is. We need to get to the root cause of your ailment. And only through tests and a more thorough exam will we be able to determine what is going on with you.”

There then was an awkward silence. It was clear Dr. Clifton was not backing down and would not take no for an answer. The last thing Bobby wanted was to endure another humiliating exam by yet another female doctor. The doctor indicated she would see if her doctor friend could squeeze him in for an appointment the next day. As she reached for her cellphone Bobby, not being able to take the pressure anymore, shamefully blurted out, “O.K., O.K., I was faking. It was a ploy to get Belinda to have sympathy for me so she would help me with the assignments that are coming due soon.”

Turning to Belinda he went on with his confession, “I never, never expected all this would be the result. I’m sorry! I’m really sorry!”

Dr. Clifton looked over to Belinda who with a big grin on her face gave the doctor a thumbs up.

Even before Dr. Clifton had an opportunity to chastise Bobby for wasting her and Belinda’s time, Belinda went into a rage.

Bobby slinked down in his seat. When Belinda took a break from verbally scolding him he sheepishly offered, “I-I-I’m very sorry for all the trouble I caused. Please understand and forgive me.”

In an assertive and authoritative voice shot back, “Bobby I’ve had enough of your shenanigans and childlike actions. I can’t believe you would stoop so low. Go put your clothes back on! We’re leaving”

He started to say something but knew it was pointless. Completely mortified, he tentatively pushed his chair back, rose and turned to walk back to the curtained area where his clothes were. As he passed next to Belinda she reached out and surprising him completely grabbed his arm and abruptly pulled him down across her lap. After relieving him of his underpants which elicited a high shriek from his she proceeded to administer a severe spanking on his bare bottom while his legs flailed about, and he cried out in pain. It was a vicious beating.

Dr. Clifton watched in startled amazement. This young woman was giving him the beating of a lifetime.

When Belinda finished administering his punishment she pushed him off and onto the floor and snapped, “That will teach you a lesson you won’t soon forget. I can’t believe you lied to me.”

Dr. Clifton sat stunned, but stunned in a satisfied way. She then adding insult to injury said more as a command than a request said, “Don’t you think you owe Belinda an apology and admit you deserved the spanking she gave you?”

He was so shamefaced at what Belinda had done to him he couldn’t look her in the eyes. Looking at the floor and while vigorously rubbing his backside he offered a weak and meek response, “I’m sorry for faking being sick and lying to you. And I know you had every right to spank me.”

There was mostly silence on the way back to Bobby’s apartment. Belinda did reiterate her grave disappointment in him. She said his lying to her was a new low in her mind. When they arrived at his apartment and she didn’t say anything he knew there was no use in trying to talk to her. In total despair- not only because he was now unsure of what Belinda was thinking but also due to the incredibly humiliating experience he just went through at the hands of the female doctor and Belinda, he got out of the vehicle. As he did he said earnestly, “Belinda, I’m sorry for everything and I really do appreciate all you do for me.” Belinda just drove away.

Belinda couldn’t get Bobby’s exam by Dr. Clifton out of her mind. It was the most erotic experience she ever had. The complete dominance the doctor had over him felt totally empowering. The root of her feelings, she thought, may be that forever females were subordinate to men. This flipped that tradition on its head. Here a female made a male take his clothes off for her and as he remained exposed to her she intimately inspected his body leaving no part of it either visually or tactically examined The male was made to do whatever the female instructed no matter how, exposing, embarrassing or demeaning.

Belinda had trouble sleeping that evening. She spent a lot of time looking at videos to try and understand all the ins and outs of the exam and Bobby’s reactions to the doctor’s touch.

The next afternoon Belinda texted Bobby and told him to come over that evening. Bobby took it that Belinda had cooled off from yesterday and hopefully, he thought, if he apologized earnestly, she would start helping him again. He was overjoyed and bantered around like he was on cloud nine. He also felt great relief.

Belinda had ideas of her own and wondered seriously how bold she actually would be. That next day at her house as soon as they sat down even before Bobby could offer up yet another apology and beg her to tutor him again, Belinda commented, “That was some exam Dr. Clifton gave you yesterday.” He was more than a little surprised by the question and as his face turned beet red as her comment reminded him of that mortifying experience he responded, “Belinda can we please talk about something else, please.”

Belinda with a heavy dose of sarcasm in her voice fired back, “Well Bobby I do want to talk about it. Remember in addition to law I was debating going to medical school.

Bobby in a more conciliatory tone said, “Belinda, it’s just very embarrassing and it was a very demeaning experience not only having a female doctor examining me the way she did but knowing you were there and observed the whole thing.”

Belinda was not to be denied, “I bet it was. Tell me, what was the most embarrassing part?” When he didn’t respond to her question she simply continued, “You know Bobby I personally found the whole thing fascinating. And to be honest I’m kind of jealous given what she did to you.”

He looked at her confused, “What, why would you be jealous?"

“Well, she got to touch you all over and explore your body,” she cooed.

“I-i-it was only a medical exam, and she’s a doctor. That’s what a doctor does” he responded.

“Yes, that is what a doctor does. You’re so right. You know what Bobby, I want to examine you just like Dr. Clifton did, she announced in a confident and non debatable tone.

Bobby looking terrified responded ,”What-t-t-, why do you want to do that? It's weird.”

Didn’t you ever play doctor as a kid? This will be like that except we’re adults,” she quickly came back with.

As he was trying to formulate a rebuttal to her idea a thought struck him. What if playing along with this crazy idea would get him in good standing with her again. Achieving that would be worth whatever hair brain scheme she was up to.

The words came out of his mouth before he was ready to say them, “OK Belinda, we can play doctor if that’s what you want to do.“What do we do, and when?”he relented.

“How about right now,” she answered

“Well, a-a, I-I-I guess, I guess so,” he stammered.

Becoming serious and businesslike she announced, “Great, I’ll be the doctor and you be my patient. From now on you call me doctor. And I’ll refer to you by your last name, Mr. Brown. OK Mr. Brown, go into the bedroom and undress down to your underpants for the exam. Then come back here.

Bobby’s head was spinning. Things happened so quickly. He really didn’t want to do this but he knew he had no option. So after hesitating he looked at Belinda and in almost a whisper he replied, “Alright Belinda.” She gave him that look and he knew immediately what she meant and corrected himself, “I-I-I mean Yes doctor,” and off he went in an uneasy manner.

Belinda went to the kitchen and brought a chair to the living room that she sat on waiting. The mere sight of him when he came back to the room clad only in underpants got Belinda really excited. She felt empowered. She wasted no time saying, “Stand in front of me Mr. Brown.”

He slowly and awkwardly approached the chair. When he was in position as if to show him she was in complete control she eyed him from head to toe. She then said in a commanding tone, “Pull your underpants all the way down to your ankles for me Mr. Brown.”

He hesitated and for a split second thought about saying to her he didn’t want to play the game, but the consequences of saying that quickly overshadowed such thoughts. Shamefaced, blushing a deep red and unable to look her in the eye he sent his underpants down his legs to gather around his ankles.

There he stood completely exposed to her just like he was in front of Dr. Clifton yesterday. His masculinity at a new ebb. Belinda feasted on the sight of his nakedness, he was hers to do what she wanted. After giving him a very thorough visual looking over with surprising confidence she reached out and cupped his scrotum which made him jump and he let out a childish whimper. She was surprised at how plump and hairy they were. She massaged each testicle and then slightly lifted both one at a time as if she was weighing them. This was something she saw on a video.

Next remembering what Dr. Clifton did during her examination she squeezed a testicle and said sounding like a seasoned doctor,”Mr. Brown turn your head and cough.” When he complied she released her grip and squeezed his other sac saying, “Again.”

Belinda then took hold of his cock and began studying it intensely, moving it from side to side and up and down. She was methodological in her approach. Her actions were clinical not sexual. She paid particular attention to the head. She laughed to herself thinking the glans looked like a mushroom. She observed the contrast of the lighter color of the head compared to the darked color of his shaft. She noted the veins running along his penis. She looked up at Bobby and noted with satisfaction he was blushing profusely, and his eyes were shut.

After a prolonged examination she released his cock and said, “OK Mr. Brown next I need you to go to the easy chair and kneel on it resting your elbows on the back cushion.”

By this point Bobby had little resistance left in him but panicking he mustered the courage to meekly ask, “That is so humiliating, what are you going to do?”

Belinda in a confident tone said,“I’m going to give you a rectal exam. I’m going to stick my finger up inside of you just like Dr. Clifton did.”

Bobby’s head dropped in defeat, and he thought about protesting but he knew it was too late for that he was in this game so deep already. Swallowing hard he sheepishly complied with her directions. His self-esteem, dignity and any semblance of modesty were gone, stolen by this female tormentor.

As he got into the undignified position he watched with grave concern etched on his face as Belinda donned latex gloves and reached for a tube of lubricant. He knew what was coming, and memories of the rectal exam he had to endure by Dr. Clifton came to mind.

Belinda could hardly control herself. After watching many videos of female doctors performing rectal exams on male patients and after observing Dr. Clifton examine Bobby back there she was eager to do it herself. She could not think of a more domineering act for the female giving and a more demeaning one for the male on the receiving end.

Belinda in particular recalling the reaction of Bobby’s cock when the doctor’s finger was inside of him was eager to see if her exploring him like that evoked the same reaction.

Belinda took a long moment to once again admire his backside. It was still pink from the thrashing she had given him at Dr. Clifton’s office. Belinda smiled to herself, and a self-satisfied smirk came across her face knowing she was responsible for it.

She first traced the area along his crack working from close to his scrotum toward his opening. Bobby knowing he was powerless and fully at her mercy simply closed his eyes and tried to endure. She next spread his ass cheeks to inspect his anal opening. She was a lot closer than when Dr. Clifton did the same thing and she noted the pink color of his sphincter and the creases all around it.

Belinda felt a growing sense of domination over Bobby. She could do what she wanted with him. He couldn’t bear to think that this young woman had an unfettered close-up view of and was inspecting his most private orifice.

A part of him wanted to tell her to stop, but he knew that would be even more humiliating than letting her play her game with him.

Anxiously she brought one finger to his opening and teased him moving the digit all around the opening. He took a deep breath feeling his cheeks burn with humiliation as she circled his back opening.

She next very slowly and methodically penetrated him. He let out a guttural sound but remained stoic. She explored his insides moving her finger around and deeper. She curled it to see what effect that would have on him. As she did this she kept a sharp eye on his cock. After a short time she became frustrated because she was not getting any reaction from him down there.

She pushed deeper and finally hit his sweet spot. His whole body trembled, and he let out moans of pleasure. Then a definite stirring in his manhood followed. She continued to massage that special spot and was rewarded as he became progressively more turned on. He started rocking back and forth on her finger in a humping motion. By this time Bobby’s cock stood straight out perfectly perpendicular to his body, his hips were gyrating almost uncontrollably.

Belinda was certainly getting aroused herself. The complete control she had over Bobby was empowering. She leaned in and in an uncharacteristic sultry voice whispered, “Well, well Mr.Brown someone certainly appears to be enjoying his exam today.

Her comment served to intensify his shame but there was something else. A part of him found it a turn on having his erect manhood on full display to Belinda and being subordinate and submissive to her.

Her finger deep inside him was surprisingly comforting and a feeling of warmth enveloped him amidst the embarrassment. He was starting to lose control. The room became a blur, and he felt like a teenager caught in a situation he hadn't the first clue how to navigate. The sounds of his pleasure grew louder, his hips flailing about. He felt his cheeks flush even more, his entire body convulsing and on fire with embarrassment and arousal.

Observing his response to her finger Belinda was becoming more engaged beyond the mechanical aspects of the activity. She began to massage his prostate more robustly, her movements precise and deliberate, and watched for his reaction.

He couldn't take it anymore. He thought he was going to explode in ecstasy at any moment. When he was losing his composure in a fog of pleasure he swung his head rearwards to look back at her and whimpered as if out of breath, “Belinda, oh my god your finger feels so good inside of me." The words hung in the air like a confession, raw and needy.

She paused for a moment, her eyes searching his. His reaction sent a thrill through her. It was as if she hadn't expected this, but she certainly wasn't displeased. It was an incredibly erotic experience.

With a slow, deliberate yet teasing movement she withdrew her finger from his back hole then pushed it back in again. She did this several times.

Then she quickly withdrew her finger letting it hover close to his anal opening and with the other hand gave him a slight tap on and then squeeze of his ass cheek. "All finished, you can get up Mr. Brown," she said, her voice laced with mockery.

He was in such an excited state he thought for a moment about begging her to continue exploring his insides. Again looking back at her over his shoulder and short of breath he blurted out, “Why did you stop?

Belinda, feeling full of herself decided to have some fun at his expense and sarcastically shot back, “Stop what?”

Frustrated, he responded, “You know.”

With triumph in her voice she responded, “You tell me.”

She certainly was enjoying taking advantage of his vulnerable condition and her actions resulted in his utter and complete submission to her. Strained to speak he whimpered, “You know, giving me an intimate exam just like Dr. Clifton did yesterday in her office.”

She had him right where she wanted him and continued her intimidating talk, “Are you saying you want me to continue examining you?”

Struggling he blurted out, “Yes, yes, I do Belinda.”

“You want me to stick my finger up inside your rectum again. You like it when I do that. Beg me to examine you again Bobby,” she demanded.

He was so turned on and close to exploding as the intimate talk continued and her finger lingered near his opening he didn’t care how foolish or shameful he acted. Losing all sense of dignity he surprised even himself by resorting to begging her to continue saying, “Please, please Belinda, stick your finger inside of me and give me a thorough examination, please do it. I need a thorough examination back there.”

He couldn’t take it anymore and all of a sudden in a convulsion he had a powerful orgasm spewing his load all over the chair slipcover.

Completely emptied and exhausted he collapsed on the chair. Belinda stood over him with a decided smirk of satisfaction on her face.

There was an eerie silence in the room for an uncomfortably long time. Belinda broke the silence by saying in a somewhat condescending tone, “You should go in the bathroom and clean yourself up.” Eventually he rose and started to leave the room. Belinda marveled as his cock still erect bobbed as he walked and glistened from his excretion.

When he finally left the apartment Belinda immediately went to her bedroom, took off her clothes, and pleasured herself to the strongest orgasm of her life.

Neither one knew it at the time, but their rather unique relationship would soon come to an end. At the dinner she attended Belinda met a recruiter from a very prestigious college who offered her a full paid scholarship and an internship. Belinda had to quickly finish up her semester requirements so she would be able to graduate early and enroll in law school.

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