1) Fertilization occurs when a sperm joins an egg, forming a zygote with 46 chromosomes - 23 from each parent. This determines the new individual as either 46,XX (female) or 46,XY (male).
2) The zygote undergoes cell division and develops into an embryo over a series of stages. By the end of the first trimester, all major organ systems have formed.
3) Sexual differentiation is determined by chromosomes, gonads, and hormone exposure. The presence of the SRY gene on the Y chromosome triggers testes development; its absence leads to ovaries. Subsequent hormone secretions shape internal and external genitalia along male or female lines.