To be able to have Mrs Turner turn around while sunbathing on Day 7, you need to have enough (hidden) Lust points. You made Mrs Turner turn around when sunbathing Tracy was the last one you hadn’t had s*x with… Yet.
Note that you can unlock other scenes while doing so. Once you’ve progressed the game a little bit, you can go back to the Main Menu and click the Gallery button to replay any scene you want. So straight I don’t even think I need to explain.
You chose to kiss her when the time was right I don’t know if this counts towards the Well, that was Fun Achievement. If you don’t enter Tracy’s Dream on Day 22, you’ll be AUTOMATICALLY set onto the Bad Ending/Corruption Ending path, depending on your prior decisions. It’s the key decision to make when going for any of the character’s endings, the Good Ending or the Perfect Ending.