I had to laugh out loud to your caller who said her daughter had heard her parents having sex.
When our daughter was about 13, she was doing the dishes and asked, "What in the world were you two doing last night?" As soon as she said it, she put 2 and 2 together and quickly continued washing dishes. She and I were both mortified, but my husband didn't miss a beat and said, "Well, did you think we found you under a rock somewhere?" That was over 20 years ago. She is now married and with a family of her own, and on many occasions she has said, as awkward as that moment was for her at the time, it gave her a great sense of security knowing her parents loved each other.
So, for your caller, never be afraid to love your husband! Your children will be better in their life for it!
Still loving my boyfriend of 39 years and my husband for 36!