It bothers me greatly that for so many who've posted, there is this certainty that this is normal and there's nothing further to explore or worry about.
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There is simply not enough info to be sure this is normal. Can girls their age explore bodies and kiss and all that and it be normal? Absolutely.
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But SECRECY is a learned behavior. Kids have no reason to be secret about things unless they've learned that either someone has a problem with it or whoever first exposed them to it told them it was a secret. I'm *not* saying that the stepdd's secrecy about it means she's definitely being abused. But I see waaaaaay too many kids who ARE abused and this pattern of replicating certain things and emphasizing secrecy or feeling shame - that is almost always a sign of something not right. Again, it doesn't automatically mean it's from abuse, but it IS worth looking further into.
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And I'll just say this plainly: her reaction to the idea of telling her mom bothers me a lot too. Mostly because, in the event that the stepdd is being abuse (and especially if it's a boyfriend of her mom's or someone her mom has around the house - a relative or male friend), it's very very possible the girl has already tried to bring it up and it's been dismissed, which is traumatic in a whole different way for actual abuse victims.
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To me, from the original post, OP my best advice for you would be to take the exact same approach to your stepdd that you took to your own, even though their reactions were different. If your DH can do it calmly and non-alarmist, maybe it's better if he does it, but if he can't, it should be you (with his support/consent). Ask your stepdd why she felt like it had to be a secret, ask her who else she does it with, and one of the most important questions: ask her if anyone has every done any touching/taking of clothes/kissing with her and told her to keep it a secret. If she hesitates or says yes, tell her it's ok for her to tell you even if someone else told her not to tell. That's the only way to get to the bottom of it if her initial answers or reaction to talking more about it are further concerning.
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But what is most awesome about how you talked to your daughter, and how I hope you or your DH will talk to stepdd, is how calm and non-accusatory, matter of fact and non-alarmist you were. That is key to getting honest answers. And in the hopefully unlikely (but possible) event stepdd is being abused, she has likely been told that if she tells it'll be HER who gets in trouble, bad things will happen, and it'll all be her fault.
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I know this post may sound alarmist in itself, but the situation, the secrecy, and the reaction to talking to stepdd's mom all tell me "there's enough that you don't want to just let it go without talking to stepdd"
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Oh - last thing - some people said talk to stepdd's mom. I'd talk to stepdd first, see how you feel or how your dh feels, then decide what next step (or no next step) should be taken. There are cases where the mom is the abuser, or where the mom is aware of the abuse but is so attached to the abuseer, she silences and even punishes the child for bringing it up. Even blames the child sometimes. Fact is, maybe there's nothing going on here, in which case there's not much to say to mom.... or maybe if you talk to stepdd about it, there will be things you want to ask the mom about. But don't go to mom as a first step or as "the way to figure out if something is wrong", because of something bad is happening, mom has reasons to not necessarily be up front with you and to dismiss it if she was aware of it.
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Hopefully, this is just plain old experimentation and nothing mroe to it. But secrecy and freaking out are worth checking futher into, because they can be signs of something seriously bad. They are not certain signs of it - there may be many reasons for the secrecy or freak out. But as parents you should figure out which camp it falls in, and also that helps you protect your dd.
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Good luck, I hope you check in and end up feeling very comfy that it's nothing. But also feel good because you followed up.