<human>: Can you provide a brief overview of the text?

This girl I've been living with for a year and have become FWBs with.  Basically we didn't know each other before hand, but we became friends after we started renting together and one thing led to another and we started having sex.  It was nothing serious, from the start I told her I didn't want a relationship or anything and we both agreed it would just be a casual friends with benefits thing.

I noticed our friendship is slowly becoming more like an actual relationship.  We live together (duh), we sleep with each other in bed, sometimes overnight and cuddle even.  The other day when we were having sex she said to me "I love you", it was just something out of the blue, I'm not sure how much she meant it, but my mind has been internally collapsing ever since.

I realised too much of what we do is like a boyfriend/girlfriend.  We laugh and make jokes with each other all the time, we go to restaurants and movies together, almost like dates.  We even occasionally do shopping together.

What the hell do I do now? I obviously need to confront her but what do I say? Do I end the FWB completely? Do I just re-establish the terms of friendship and make it clear that this is no romantic relationship? Do I move out and go no-contact?  Its all very confusing for me and I'm kind of in an internal panic.
<bot>: FWB starting to feel too much like a relationship! She even said "I love you" in bed. I'm panicking.