"Oops, dropped your coat," you say, handing the jacket back to the beautiful stranger. They look at you in shock as they take it from your hands.
"You didn't take it," they say as if they can't believe it.
You squirm, then awkwardly say, "of course not. It doesn't belong to me"
You walk away as they continue to stare at you, clutching the coat.
The next day you're walking to your favorite Cafe when the stranger appears at your side, wearing the same coat. They ask where you're going and before you know it you're seated at your favorite table with them, talking about your life over a latte. They try to pay for you but you insist on handling it, appreciating spending time with them. They ask if they can see you again and you eagerly agree.
The next day they show up during your lunch break, with fish & chips for you. It's the best you've ever tasted, but seeing they don't have anything to eat you insist on sharing. They are obviously delighted by this. You make plans to meet again.
So the months go, with you slowly falling in love with them, their generosity, their humor, their ability to make every day better. Finally late one night they tell you the truth: they are a selkie and you could have trapped them by taking their coat. It's what most humans would do. But giving it back intrigued them, made them want to know you better, to understand your kindness. With trembling hands they hold out a second coat, asking if you will marry them and join them among the seal folk.
You can't imagine a life without them, and quickly agree.