When I was 16, I was fooling around with this girl (her parents were in the next room). I had her shirt and pants off, and was feeling quite good about my chances to get laid. The phone rang, but neither of us knew it untill her mom walked in. She was wearing a bra and panties (I was pantless, and we both dressed under the covers with her mom in the room. After the phone call, I listened to her mom give her a premarital sex talk, which she would later give me.