A mom having a discussion with her child(Courtesy of Parenting.com)

"Do you have a penis?" she demanded of my boyfriend, who looked suddenly like a deer caught in the headlights. "Because," Emily continued, "my daddy has one. He says all boys have penises and all girls have vaginas."
"Uh, that's right," said my boyfriend weakly. And then all the grown-ups laughed with what could only be called relief. Later that evening, my boyfriend wondered whether it was right to teach little children such words. I shrugged. I had no idea.

Fifteen years later, with two little kids of my own, I'm still not sure I have the right answers. If you feel the way I do, take this quiz and find out what the experts suggest we say when our kids ask those embarrassing, conversation-stopping questions.

1. Your 3-year-old wants to know where that baby in your stomach came from. You tell her:

A. The stork brought it.
B. Daddy and Mommy made it.
C. Here, have a nice, big cookie!

Answer: B. Although there's never one answer to this question, your response should be a simple version of the truth.

"Little kids are concrete thinkers," says Linda Ladd, Ph.D., chair of family sciences at Texas Woman's University, in Denton. So telling them about the stork, even in jest, will just confuse them.
Providing basic - and factual -- answers to a young child's first questions about sex sets the stage for the ongoing dialogue to come. "It should be a conversation, instead of a lecture, so there's plenty of give-and-take," says Anne Bernstein, Ph.D., a Berkeley, California-based family psychologist and author of Flight of the Stork: What Children Think (and When) About Sex and Family Building. When you answer your child forthrightly, she learns that she can go to you with any question she has in the future. Squirm or dodge the issue and even a preschooler gets the message: Don't ask, don't tell.

Video: Tough questions from kids

2. Your 5-year-old now wants to know how you make a baby. You tell him:

A. To ask Daddy.
B. Daddy puts his seed, called sperm, in Mommy.
C. Daddy puts his penis in Mommy's vagina. That's called having sex.

Answer: B. Your child just wants some general information to start with -- not a technical description. (You can add details later, if he wants to know more.)

"Parents tend to take an all-or-nothing approach," says Patricia Moylan, Ph.D., a pediatric neuropsychologist at Children's Hospital of Michigan, in Detroit. "When your child asks why your stomach's getting bigger, you don't need to go into the cells dividing. Just say that the baby is growing inside your uterus, so your stomach looks bigger. Don't overexplain."

What if your child demands the answer when you're at the grocery store? "Say you'll explain it when you get home," says Moylan. "Part of learning about sex is learning when and where it's an appropriate topic."
Don't let yourself off the hook at home, though, says Moylan. Bring it up yourself: "Remember you had a good question about how a baby gets into a mommy's belly?" and go from there.