I was an "early developer" and went to a local public pool when I was about 11 or 12 to hang out with the cool kids. We were all standing (me with my new bikini) and a huge bug landed on my breast without me knowing. Someone in the circle pointed it out, and I immediately swatted, pulling my entire bikini top down while getting the bug off.

For the next year, random kids at school would say "hey, there's a bug on your shirt."