"Yes"

I say after a few seconds of thinking.

Millie takes a sip of her wine, and nods silently.

I add:

"I mean, you are in great shape, you dress well, you got big tits, so you are the archetypal MILF in my mind I guess."

Millie smiles, and says:

"So I am a MILF, am I?"

"Most definitely." I reply and smile back, then add:

"Look, just because I have fantasies about you, I know you are my step-mom and those are just fantasies."

Millie looks relieved, then says:

"Yes, good that you realise that nothing could ever happen."

I laugh, and say:

"Well, if this was one of those online MILF clips you would give me a handjob now."

And as I say that I realise that I have gone too far. Millie frowns for less than a second, then starts to laugh loudly, treating it as a joke. She gets up to clear the table, and says:

"Matt, why don't you go to bed early. I want to take you out mountain biking tomorrow morning so it is an early start."

Feeling great that I have recovered from the awkward situation I have created, I tell Millie good night and head to my room.