18 Rules (For Sex and Secrets)

(Warning: This is a love story between two people who are many years apart in age, and it contains a lot of explicit sex.)
Jay:
Evan's voice is coming through the phone, but I have no idea what he's just said. I am consumed by what's occupying my back yard and my thoughts; the curve of her lower back, her long, slim legs, her perfectly shaped ass.
"Hello, Jay... ?" he is asking again. I ignore the question, my mind far from our conversation, all on her.
"There is a hot girl in my pool." I say into the phone.
"What? Who?"
"I have to go." I hang up, and walk to the door to the deck, momentarily losing sight of her. ***

Liza:
"How old are you?" Jay asks. His blond hair has fallen lazily over his piercing eyes.
"38." I say, taken aback by his strange and abrupt question. Jay's eyes open wide, but quickly he attempts to hide is first reaction.
"I'm 20," he says, eyeing me intently. My breath leaves me. Now it's my turn to be amused. He is just a kid!
Holy crap. He's just a kid.
"Why-"
"You look young, but you seem much older," he cuts me off.
"Thanks," I mumble. I'm sure I am scowling now.
***
Intrigue turns to lust, turns to an intense secret affair for newly widowed Liza and the magnetic, beautiful and much younger neighbor, Jay.