Re: "but HOW did daddy put the baby in your tummy?"
I made the mistake of saying "The mommy swallowed it" once.
This was to the then 3 year old- but his 5 year old sister heard. She's also too smart for MY own good. I had told her all about love, daddy &mommy planting a seed...then she had to go and hear me say that.
I am dreading it when she asks me again and asks about my comment to her brother.