ok, i've ignored this thread multiple times. I guess I'll post now.
I have not been a virgin since I was 9. Yes, you heard that right. Nice 12 year old girl that lived next door to me when I lived in a small town. I didn't get an erection, so it may not count, but technically that was my first experience.
Then it was when I was 13 and many times after that. :)
For all of you who 'wait'. why? seriously. Sex is like every other great thing life has to offer. If you do it responsibly there is not reason to not enjoy it.
Also, love sex. sex is simply a great physical pleasure. Love is an emotional attachment that affects women more than men, especially when sex is involved for women.
I think sex should be enjoyed frequently by all people.