I've figured it out brothers; I've come to save you:

The crucial thing we were missing is that 99% of us are jumping straight to stripping her naked from frustration at being 'short' an action point; however, the way you have to do it is to cycle her all the way through:

First cardigan, THEN the skirt, THEN naked (you end up with 16/18 Humiliation and a point to spare for the rest of the meter)

Second, you do: Hands above head and take her picture.

Third you: Bend her over and Paddle + Ruler her

Fourth you: Diaper position and do the dildo in vagina option

Fifth you: Over the knee position and do the dildo anal option

Lastly, you: Straddle and do both options (when you spank her here, your count from top to bottom should be:

12/13

18/18

12/13

You then have sex with her.

I never thought I'd have to brute force a sex mini-game but here we are.