Midnight Butterfly — Joan Elizabeth Lloyd

More surprises than the subway await modest, thirtyish Ellen Howard when a winning lottery ticket takes her to vibrant, seductive New York to study art. Ellen soon discovers, though, that the instructor is more interested in studying her -- intimately. At a loss, the sexually naive Ellen despairs over her inexperience and fears. Then she meets the charming ghost of a voluptuary, who resolves to bring Ellen out of her cocoon and to her wildest, lustful, most exciting senses.