9 months? Not normal at all. Talk to her about it, just be tactful. Tell her that you love her and that you would like to be more intimate and close.
Swimming is my favorite cardio exercise personally, Its fun and works your entire body. Just find something you enjoy doing - then it wont seem like a chore.
I didn't lose my V-card until I was 24. But everyone's situation is different, its no big deal.