Daughter: Mother, where do babies come from?
Mom: Well dear...a mommy and daddy fall in love and get married. One night they go into their room...they kiss and hug and have sex.
(The daughter looks puzzled.) That means the daddy puts his penis in the mommy's vagina. That's how you get a baby, honey.
Daughter: Oh I see, but the other night when I came into you and daddy's room you had daddy's penis in your mouth. What do you get when you do that?
Mom: Jewelry, dear.