So, I've been dating this girl for over a year and a half. She's absolutely the love of my life, and I fully intend on marrying her. We're best friends, never been in an argument, and can spend days together. However, there's this problem- she doesn't seem to want to get super physical with me. That's not to say we haven't broken any barriers- we do lots of making out, dry humping, and I feel/kiss the shit out of her titties. But that's it. No assistance to my buddy downstairs, and she won't let me finger or go down on her. I've asked her how she feels about moving forward physically, but she says "not now." I'm wondering, what's stopping her? She knows she can fully trust me, and I can totally trust her. I just want to know what's holding her back. For a little bit of background- she's all very new to this. I was her first kiss, and all the steps we've made in this direction have been her first. I'm not that sexually experienced by any means, but I've done it a few times, and I guess that's why I'm expecting more. She doesn't smoke, and drinks rarely. Thoughts? Comments?