how to repsond to horny talk?

hmm... i was talking to my bf on the phone and he was talking bout all these horny stuff we do when we are together and accessing me and stuff and thing is...

i didn't quite know how to respond... as in what to say... i was just kinda loss for words... im not really comfortable doing all these horny stuff over the phone...

any solutions? does it turn guys off that their gfs can't have this mutual horny thing over the phone; or if she does not know how to repsond to him; or doesn't repsond to him?

It depends whether you are comfortable with such speech. If you are, then just let your natural instinct flow. If not, talk to him in face

=)