An embarrassing question

We lay on the beach for a while, Millie has her eyes closed, but from hearing her breathing I know that she is not sleeping. I look down and see the mound of her shaved pussy, but despite my massive temptation to reach out and touch it I know that I cannot.

I look at Millie's big tits moving up and down, and I can feel my cock growing hard and feel that I am aching with desire for her. She must know this, I think to myself, she must be enjoying the impact seeing her naked body has on me.

Then, without opening her eyes, Millie says:

"Matt, can I ask you a very personal question?"

I reach over and stroke a finger along her side, and say:

"Yes you can."

Millie says nothing for a while, then, her eyes still closed, she says:

"Well, Matt, you are 18 now, but have you ever..."

She pauses for a while, then moves up so she is resting on her elbow, open her eyes and looks me deep in the eyes, then asks:

"Are you a virgin still?"