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Divergent Steaminess Rating

Exactly how steamy is this story?

PG-13

There's some kissing and some straddling and there's some talk about sex. But most of that talk is between Tris and Four, and they both agree that they don't want to jump in and have sex before they're ready. When you put it that way, it seems a lot chaster than Gossip Girl, so there's that.