ANSWER: If you mean, can you recite or memorize the Qur’an while lying down then there’s no problem in this whatsoever even if you’re not tired. 

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ANSWER: What you have heard is absolutely baseless. As long as people say bismillah before taking off clothes, this is sufficient as this is a protection against jinn watching them naked and there’s absolutely no problem in spouses having intimacy without covering with bedsheets or anything else. 

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