A day at the beach is a working holiday for the Host Club, but the boys also decide upon a game to see who among them can discover Haruhi's fear.
Host Club hits the beach, but it's a working holiday with lots of girls around to entertain. That means Haruhi can't wear a bathing suit and join in, since she must keep up her male-gender pretense. When Haruhi remains calm over handling a bug, the boys begin wondering what would frighten her and make a game of finding out.—statmanjeff