The document summarizes the stages of incomplete or gradual metamorphosis in insects. It states that about 12% of insects undergo three stages: egg, nymph, and adult. Eggs are laid and hatch into nymphs, which resemble small adults and molt and grow until reaching adulthood. At the adult stage, insects typically develop wings if they had not already. It provides examples of insects that undergo this three-stage life cycle like mayflies, cicadas, grasshoppers, aphids, lice, and cockroaches.