How we cite our quotes: All quotations are from Titanic.
Quote #4
ROSE: I think you must have had a love affair with her.
Rose is assuming that Jack was romantically involved with one of his models because she appears more than once. However, it turns out that Jack just liked drawing her hands, and they had no romantic involvement at all. Jack is a lot more nuanced than Rose assumes.
Quote #5
ROSE: My heart was pounding the whole time. It was the most erotic moment of my life. Up till then at least.
Here, Rose is describing when she posed nude for Jack while wearing the Heart of the Ocean—Cal's token of his own "love." She and Jack haven't formally cemented their own love with words, but this moment is clearly about Rose taking back her own heart and thumbing her nose at Cal. By commissioning the drawing and then leaving it for Cal with a note, she's basically throwing her disdain for him (and his heart—diamond or otherwise) in his face.