Fiorella is pondering the idea that it's okay for modern romance heroines to have casual sex, but they can't say they love someone until the last chapter. It used to be the other way around--first the love, then the sex. She suspects that the order has changed because of commitment issues.
Yes, Fio's learned a lot from her editor's revision notes, but it sorta goes against the grain. Fio's an old-fashioned, love-before-sex kinda gal.