Issues with online affair

I'm single & 50 and I've been having an online affair with a female co-worker for about three months now. She is 48 & married (25 yrs) and has 3 grown kids, one still in college. It started innocently with us playing Words With Friends online and chatting. Soon though we were flirting, and then moved on to cybersex with her sending nude photos. We text on our phones or chat thru Words every day, usually many times a day. This is all new to me, and I would have never guessed this would have happened. Here's my issue: I do enjoy what we are doing, but I am starting to want a more physical relationship with her and I don't know what to do. I have told her how I feel, and she says that she's just not ready for that step yet. She doesn't want to feel guilty, and she is afraid she will hurt her relationship with her kids if we are caught. I understand all this, but it doesn't make it easier for me. I just know I'm crazy about her. I know she's in a loveless marriage, no sex, and her husband is away at work out of town quite a bit. So far the only physical contact we've had has been a few times at work when we are alone and I've kissed her, rubbed her shoulders and back, or grabbed her butt. She has not reciprocated, but she has told me she enjoys it and that we just have to be careful at work. So this tells me that she's ok with me being physical and touching her. It's just frustrating for me because I know we've already crossed the line. I guess I don't understand her fear of guilty feelings if we get together, and yet she has no problems with having cybersex, sending nude photos or letting me touch her. Part of me thinks I should just stop all this and stay away. But I really don't want to do that. Not only would that make it awkward at work, but the fact is I enjoy what we do and I don't want to give that up. I just want more. Any advice I can get would be appreciated, but please, I don't want a lecture about having an affair, and how bad that is. I understand the situation

If you understand the situation and given your maturity, then you have answered your own post. Common sense should kick in and tell you that she needs to end her loveless marriage and deal with the fallout. Only then can she commit to someone else. Throw in the workplace scenario and you have a situation where there will be no winners unless everything is above board. This woman has crossed the line and is basically cheating, but she needs stop playing games and take the step so she can do what she is doing as a single person just as you are. Step back a bit and take your rose tints off...

Well I am a 52 year old married for 14 years woman ...and i get it...I love my husband...but am In love , passionately with a man who started out my friend for a few years..I understand the pull..I understand the thrill and the fear of it. He has struggled with our care for each other..and drew a very firm line we wouldn't cross. It has been battered quite a few times that line but it is he that won't take our relationship to the last level. I think as a single man he struggles with my married status..it goes against us morals. So I did what you will probably have to do..n take it from me it is very very hard. But it is time to probably kept her go. I am by no means judging you, but it is causing you grief..n she may not be ready. It's not fair to either of you. I am suffering badly from my decision as I love this man soooo much but he would never commit to me as he is a confirmed bachelor and as much as he cares for me I don't think he wants to let his freedom go. N I can't leave at this age to start over. Good luck with your decision. It is hard and it will hurt if u decide to end it but in time it will heal.