It depends on what the girl in question likes. Some women are turned on by romantic and sensual things, while others are turned on by dirty talk and dominant words. Some women are not turned on by whispering at all.
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It's important to approach intimacy with respect and understanding of boundaries. Rather than focusing on specific phrases, consider gradually building physical and emotional connection through consent and communication. Appreciating and expressing genuine interest in your partner can cultivate a more meaningful and fulfilling connection.