AN: Okay, the mature rating is going on lol (the book made it to #216 in the chick lit rankings, so yay! and thanks!), which means that smut is coming up! If it ain't your thing, skip this chapter. But this isn't the last time, so you're going to end up having to skip quite a bit, because I write a lot of it. All of my stories are filled with it, in fact.

Anyway, consider yourselves warned!

Kelsey set her stuff down and headed for the bedroom, where a light was still burning. Even though it was much later than planned, Jack said he'd be waiting up for her. She entered the room smiling, and her smile only grew when she saw him, sitting up in bed, a book open on his lap, fast asleep.

She took a fast shower and put on one of his old shirts, leaving it unbuttoned, and sat on the edge of the bed next to him. He didn't even twitch when the mattress dipped. Kelsey slipped the book from under his hands, closing it and setting it on the table next to the lamp.

She leaned in and ghosted a kiss on his jaw, then moved up to press one on his lips, sliding a hand up his muscular thigh at the same time.

"Jack?" she called. She kept her voice soft, but it didn't matter.

His eyelashes fluttered for a moment, then he opened his eyes to look at her, smiling as he chased her mouth to pull her back for a more emphatic kiss. His tongue pressed against her lips as he pulled her head to his, opening her mouth to taste her, moaning, making her curl her toes from the sound.

She broke the kiss and pulled back, laughing at the surprise she saw in his eyes. She scooted all the way across the bed until she was leaning against the footboard. She grinned at him, holding the shirt she wore closed across her front.

"What are you doing all the way over there, missy thing?" Jack asked. "I mean, I know I'm pretty amazing, but even I can't reach that far."

"You can't, but I can," Kelsey replied. At Jack's look of confusion, she let go of her shirt, spreading it open, showing Jack what she was wearing, or not wearing, under it. She leaned back a little, planting her feet, legs spread, on the mattress. She smiled again, a little smile, one eyebrow slightly raised, a smile that was way more sexy than an openly lascivious and knowing one would've been. She put her hands on her knees, opening them up just a little bit more, in a gesture so wanton and inviting that Jack nearly lost his mind right then and there.

He swallowed, suddenly feeling like there wasn't enough air in the room. His pajama bottoms, which had been loose and comfortable when he put them on, now felt like they were strangling his hips and nether regions. His head was pounding, though he found it difficult to believe there was any blood left circulating in it.

Kelsey looked incredible. In the glow of the lamplight, with his old blue shirt hanging off her, she looked like a beautiful, erotic photograph come to life. Her hair, in a dusky washerwoman's knot, softly framed her face with the soft, dark strands that had escaped and curled around her neck.

Her breasts, that Jack loved to kiss and squeeze and touch, were moving up and down with her gentle breaths. They were white and round, the blue veins prominent, the centers and nipples looking supple and soft from her shower, the same shade as her dark lips.

The skin of her narrow waist looked so smooth and beautiful, showing the fitness and tone of the months of intensive swimming, and Jack could see the light reflecting off the firmness of her flexed thighs, and cute scar on her knee. Between her legs, Jack could see her sex, soft and pretty, already looking wet and pink, shining for him.

Kelsey felt his eyes on her like a physical thing, blazing a blistering trail down her body. She could hear his breathing, see the flush of red on his shoulders and chest as he got excited, just from looking at her. She could even see the thickening between his legs, and all of it made her hot, made excitement begin coiling in her belly and in her own sex.

Slowly, Kelsey reached between her legs and touched herself, closing her eyes when she made contact. She closed her other hand on her breast and began squeezing, rolling and pinching the nipple between her fingers.

After a few moments of this, she opened her eyes to look at Jack, who was still motionless on his end of the bed, staring. It didn't even look like he was breathing.

"You just going to sit there, coach?" she teased. "You'd better get those pjs off and catch up, don't you think?"

Jack blinked at her, then jumped into action, shimmying out of his bottoms and sitting back. He was already completely hard, dark and heavy, and he grasped his length, letting out a hissing breath at the sensation.

Kelsey stared at Jack's hand as he held himself. She had never, ever been turned on by the sight of a man's genitals before. Though she could enjoy a nice looking ass or back or hammys or whatever, she found men's sex parts kind of funny looking, truth be told, humorous more than anything.

Now, however, looking at his erection as he held it in his hand, she could feel herself getting hotter and wetter between her legs. She could even feel her mouth watering a little bit as her face got flushed, as her lips swelled. Just from fucking looking at it, from seeing it, oh my god.

She jammed two of her fingers inside herself as Jack watched, and he could hear how wet she was, how excited. Then she moaned, a breathy sound that he'd heard often, right in his ear, and he responded to it at a visceral level. He closed his eyes as his hand sped up, just listening to the sounds she was making with her mouth, with her fingers.

Fuck.

He started to see spots in front of his eyes, and realized he was holding his breath, he'd forgotten to breathe. He was going to pass out soon. He let his breath out in a mighty whoosh, taking in the necessary oxygen, breathing rapidly to compensate.

Then he heard Kelsey once more. First, she moaned again. Then she gasped out, "Oh fuck, oh my god, Jack, yes," in a whispery cry.

Jack's eyes flew open. What was she doing to herself?

Kelsey was leaning back against the footboard in abandon, body laid out for Jack to see. Her fingers were buried inside herself up to the knuckles, her legs spread wide. He could hear the wet noises they were making as she moved them. Her hip bones were rolling under her skin as she moved back and forth on the mattress, and she was pulling on her nipples as her head rolled back.

"Jack, Jack," she called as she tensed up. She lifted her head to look at him, her gaze molten, pupils blown so wide her gray eyes looked nearly black. "Jack," she moaned as she tensed again, making her hips and legs jump on the bed.

Jack had of course heard the phrase "sexy as fuck" too many times to count in his life, but never really understood what it meant until now.

His girlfriend at this moment was sexy as fuck.

"I'm gonna come," Jack murmured, his eyes on Kelsey as she tensed one final time.

Somehow, she heard him and nodded, closing her eyes.

He closed his eyes as he felt his orgasm coming, but opened them when he heard her moving.

She was crawling toward him, looking like a sexy, fucked out mess, lips huge and puffy, eyes starry, roses in her cheeks, nipples hard. Jesus.

She straddled his legs and leaned forward.

"On me, Jack, I want to feel you on me, okay?" she whispered, arching her back, pushing her torso forward.

By now Jack had no control over anything, and could only nod as he, too, leaned forward.

"Oh god, Kels," he groaned, and he exploded on her, an orgasm that went on and on, spurt after spurt of hot ropes that flew out of him to land on her front, white lines that covered her pretty breasts as they heaved up and down.

Jack watched the whole thing. Jesus, so exciting.

Finally, finally, he was finished, and he leaned forward to kiss her, gasping for breath. She kissed him back, mouth hot and open. He fell back on the bed, too tired, suddenly, to even sit up.

Kelsey took her shirt off, wiped herself off, and lay down next to him, snuggling in close.

"So, that was fun, hm?" she asked quietly.

"Yeah, wow," Jack replied, laughing. "Another thing it would never have occurred to me to do, so thank you for that, sweetheart." He kissed her again.

"You're oh so welcome," she replied, laughing.

"Well, I don't know how I'm supposed to feel, but the way I feel is kind of guilty and sexist," Jack admitted a few moments later.

Kelsey sat up to look at him, astonishment written on her face.

"What? Why?" she asked.

"What happened right at the end? I always thought that was a no-no, that it was considered a demeaning thing to women," Jack explained.

"How can it be when I asked you to do it?" Kelsey asked. "I didn't feel demeaned at all, I want you to know." She lay back down on him. "And if I were, you know, one of those women who could squirt or whatever, and you asked me to do it on you, I wouldn't feel guilty at all, okay?"

"Okay," Jack replied. "Wait, what? A woman who can what?" Now it was his turn to sit up and stare.

"You know, squirt," Kelsey replied.

"Squirt? Out of her, uh, area?" Jack asked.

Kelsey laughed. "Yes, my lovely, sweet, innocent Jack, some women can." She leaned in and kissed him.

Jack lay back down, shocked to his core. "How?" he asked.

"I don't know, I can't do it," Kelsey answered, laughing. "I'm sure you can find one who can, though, if you're that curious."

He gave her a shake.

"Well, at the very least, you must want to take a shower, right?" he asked her.

"Yeah, I wouldn't mind doing that," Kelsey nodded.

So they headed off to the shower, where they had some good old-fashioned soaping up fun, and shampooing fun, and rinsing off fun.

Jack kissed his girl under the warm running water, telling her, "I'm so happy, you make me so happy, Kelseylove."

And she answered back, "Me too, you make me happy too, and I love when you call me that, Jack."

She felt him, warm and excited, on her back, when she turned to rinse her face, as he kissed her neck, and she laughed and turned around. She put her arms around his neck, kissing his mouth again, looking absolutely beautiful with drops of water on her eyelashes.

"Is that an erection I feel against me? Are you ready for another round?" she asked, rubbing her hips against him.

"It is, and I am," Jack replied. "But we don't have to, it's okay. You must be exhausted. It will go away in a little bit, don't worry."

"What makes you think I don't want to?" Kelsey asked. She kissed him again, lingeringly, and everything was extra wet because of the water, and Jack was so excited, he couldn't believe he'd just done this a little while ago.

He palmed her breast, and he pressed her into the wall, so their bodies were touching completely, and feeling her soft skin all over was blowing his mind.

"Oh god, Kelsey, you're amazing," he murmured. He picked her up and held her by her thighs, pressing into her, feeling her hot, slick walls close around him as she moaned into his ear in that way she did.

And Kelsey, for her part, loved the feeling of being lifted by Jack's strong arms, of being held against the wall by his hard body, of feeling him driving into her, over and over, as he groaned into her ear.

"I love you, I love you," he said in rhythm with his thrusts, his words barely audible over the sound of the water.

And after, they fell asleep wrapped up in each other, as close together as two people could get. Their dolphins sat on their dresser, keeping watch over them.