Teddy Riley didn't blow up by being subtle. So it's no wonder that after a three-year hiatus, he and his group get right to the point: hot sex. Their fourth offering meshes soul, hip-hop, and indecent proposals -- the same formula Riley employed for classics like ''No Diggity'' and ''My Fantasy.'' Unfortunately, it's also what now fuels nearly every R&B act from 112 to R. Kelly. The result is a new jack swing that sounds a little humdrum.