Mine happened this summer at the beach. I was sitting with my wife and this couple with one child came and set up next to us. She didn't have her suit on so the child and bf or husband tried to hold two towels up to cover her while she changed. Well it was a tough situation; I had my camera on my lap and my wife sitting next to me. Unfortunately, they were behind me and I could only make a quick glance. Darn it, I couldn't take a picture with out making it obvious and couldn't stare or I would get a well deserved slap.
I got a little peek, but not as much as any guy would want!