When I was 3 I asked a nurse in hospital and I got a really detailed explanation.
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My dad attempted to give me the talk when I was about 9, but I was in the middle of a great game of Star Wars Battlefront at the time, so I wasn't really paying attention, and I got absolutely no knowledge out of the conversation. I didn't truly figure it out until I was 12 - my friend sitting next to me on the bus had to fill me in.