An American tourist in Scotland walked up to a beautiful loch, and decided to go skinny-dipping.
She looked around, didn`t see anyone, and undressed and just as she was about to dive in, a man appeared from behind the bushes where he was hiding all along and said.
"Madam, swimming is not allowed in the lake!"
"You could have told me that before I took off my clothes!" the American woman scolded him.
The man replied, "Madam, only swimming is not allowed, taking off your clothes is allowed!"