Monks and nuns lead lives of total celibacy in which any kind of sexual behavior is forbidden. This includes even suggestive speech or physical contact with lustful intent, both of which are very serious offenses for monks and nuns. As one's intent may not always be obvious (even to oneself), and one's words not always guarded, it is a general principle for monks and nuns to refrain from any physical contact with members of the opposite sex. Monks should have a male present who can understand what is being said when conversing with a lady, and a similar situation holds true for nuns.
Much of this standard of behavior is to prevent scandalous gossip or misunderstanding occurring. In the stories that explain the origination of a rule, there are examples of monks being accused of being a woman's lover, of a woman's misunderstanding a monk's reason for being with her, and even of a monk being thrashed by a jealous husband!
So, to prevent such misunderstanding, however groundless, a monk has to be accompanied by a man whenever he is in the presence of a woman; on a journey; or sitting alone in a secluded place (one would not call a meditation hall or a bus station a secluded place). Generally, monks would also refrain from carrying on correspondence with women, other than for matters pertaining to the monastery, travel arrangements, providing basic information, etc. When teaching Dharma, even in a letter, it is easy for inspiration and compassion to turn into attachment.
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