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Chances of pregnancy without penetration/intercourse?

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I’m sorry, posts like these may be unwelcomed here. But I am very tensed. We are very young and DO NOT want a pregnancy. We tried to be safe during our sexual meetings. She is 5 days late on her period. Here are the details: Her last period started on 28 July and ended around 1st August. Sometime around 21-23 August, she “felt” her period coming. She had all the usual symptoms she gets before her period (pain in lower belly area, cravings, extra thirst and “feeling”). She thought its about to come but it never did. And these symptoms lasted for 2 days. It has also happened a few times before as well so she thought its just one of those times. Following are the details of the sexual meetings. August 6. We were in car. She rubbed me with her hand inside my pant and I ejaculated in the pants. I rubbed her clitoris. My fingers might have touched her vagina too, but just touched – did not go inside. There is a possibility that my fingers may have gotten some semen on them (but only a tiny bit, so little that I didn’t notice). During this meeting, there was NO penis and vagina contact. Fingers DID NOT go inside vagina. IF my fingers got any semen on them, it was so little that it was unnoticeable. August 9. We were in car. She rubbed me with her hand inside my pant. Pre-cum might have gotten on her hand. Neither of our hands went inside her pant. During this meeting, there was absolutely no contact with her vagina of anything so I assume we were completely safe here. August 12. Same scenario as August 6 but I did not ejaculate. Only pre-cum maybe. NO penis and vagina contact. Fingers did not go inside her vagina. August 14. We were in car. This time I took down her pant. I licked her vagina. Then I rubbed her clitoris. Fingers did not go inside. As I was lying on her with my pants on, penis area WITH MY PANTS ON may have touched with her naked vagina area (I probably had pre-cum inside my pant). After this she pulled up her pant. Then she rubbed my penis from over the pant and I ejaculated inside the pant but some semen came out through pant (as I was wearing underwear + jeans pants so only a little could make its way through these clothings). But at this time she had her pants full on so its very unlikely that semen found its way to her vagina. During this meeting, my pants were on the entire time, there was no direct naked penis and vagina contact. Fingers did not go inside her vagina. Neither of our hands went inside my pants. August 22. Same scenario as August 14. But this time I did not ejaculate and I did not touch her vagina (only licked it). I did feel pre-cum (wetness) in my pants. During this meeting, there was NO penis and vagina contact. Fingers did not go inside her vagina. Neither of our hands went inside my pants. August 24. She rubbed me from over my shorts but I didn’t ejaculate, only precum. Neither of our hands went inside her pants this time. She had her pants on the entire time. SUMMARY OF THE ABOVE: There was NO intercourse. No penis/vagina penetration. No penis/vagina contact. No finger/vagina penetration. Worst case would be that either of us had precum or semen on our fingers and accidently touched vagina, without penetration. Based on the above scenarios, WHAT ARE THE CHANCES OF HER BEING PREGNANT? Should I be worried? Second question; what are the chances of someone getting pregnant if you have semen on your hand and you touch vagina but without penetration/without penis and vagina contact? Don’t ask how but its not very easy for me to get my hands on a pregnancy test. And even if I do get it, and ask her to take it, it WILL freak her out and stress can further delay the period.

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