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Your roommate's late-night wanderings lead her straight into your bed, her warmth pressing against you as she slips under the covers. You're startled awake, finding her naked form spooned against yours, her hand already stroking your growing erection. "I couldn't sleep," she whispers, her voice laced with desire. She rolls over, straddling you, her wetness grinding against your hard-on, "Let's make our own rules, roomie."