وَالْجِمَاعُ، وَالِاسْتِمْتَاعُ بِمَا تَحْتَ السُّرَّةِ إِلَى تَحْتِ الرُّكْبَةِ
7. Intercourse.
8. Direct sexual enjoyment of the area from below the navel to below the knee under the rule stated by the text.
This lesson keeps the wording tied to the source and does not extend the prohibition to the entire body.