It's late at night, Julia's home by herself & has fallen asleep reading. Somehow, the room has gone dark & a hand is placed over her mouth so she doesn't scream out. She's frantic and has now just realized she never set the alarm, as is habit when her husband is away from home at night.
She can't see the intruder because there's a ski mask covering their face. But, know it's a man by the feel of his hand covering her mouth. He says, in a low, husky voice, that if she co-operates, she won't be hurt but will be pleasured beyond belief. Julia wonders what he means by this since he couldn't possibly any idea of what pleasures her.
She's then told she's not allowed to touch anything, anything at all. If she does, she'll be restrained. She's stripped of her t-shirt and jeans and when she tries to pull the sheets up but they're ripped out of her hands & off the bed.
He opens the shutters on the window above the bed just enough that the streetlight casts the faintest light onto her now shivering body. Not only is it because of her now naked body, but also from the building anticipation of what is happening.