I (50M) was sitting on her (47F) sofa and as she passed by me, I pulled her onto my lap such that she was facing away from me. I spread her legs, pulled up her skirt, and started rubbing her pussy over her panties, eventually pulling those aside to work my fingers inside her.

The sofa is opposite the window in her living room and the blinds were open. She lives in an old courtyard style building on the second floor where the apartments are accessed by an exterior walkway; this window is on that walkway. There are also neighbors across the courtyard whose windows are directly opposite of her’s. It was hot thinking about the possibility of a neighbor walking past and randomly glancing in the window to see how she was panting with my fingers deep in her exposed pussy.