It's actually more up to the girl than many of you guys think. Some girls absoulutely WILL NOT say it first but will strongly desire you to say it. Those are the ones that drop all those hints. The other type (broad, broad catagories here) will say it first and this is most definitely a FANTASTIC thing. But to wait for her to say it first is like waiting for FEMA aid, there's a good chance it wont come.