You had stolen a rowboat at night and were just sitting in it as you rowed to the middle of the lake. You were wearing your normal clothes meaning you would be absalotely drenched if you capsized. You saw something in the water, me silhouette with a glowing fish tail. It was a merman

I took your hand and kissed it, slowly emerging from the water and leaning on the rowboat.

"M'lady~"