be sure to let her know that IF something were to happen...that you will be there for her then too...takes the pressure off and its easier for them to make the right decision when the time comes to MAKE a decision like that.

One thing is (ok nobody shoot me for saying this) culture shapes a lot of our lives in what and when we discuss things with our children. some are a lot more reticent to discuss until a later age because it wasn't done with them and its a tradition. Unfortunately...sometimes it too late by the time its time to talk.