Hi, I live a sheltered life, so I'm not sure. But no doubt more worldly people will be able to quickly tell you the common term. Be aware, as I'm sure you are, that many people consider this topic and the expression '**** crack' to be vulgar.
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have/lead a sheltered life DISAPPROVING
to have a life in which you are protected too much and experience very little danger, excitement or variety:
Until going to university, she had led a very sheltered life.