He already gave the answer
First there is Sexual Intercourse, then if the sperm fertilises the egg, then an embryo is formed
a lot of people say its hamsters and other say its rabbits but i say its hamsters
hope this helps :)
<span>1. Reasonable Fess- Find out what fees are charged by the bank. Some banks refund ATM fees, and others simply charge you every time you do anything.
2.Customer Service - Don't underestimate the importance of good customer service. You want to feel somewhat valued by your financial institution.
3.Low Rate Loan Options- While you don't have to get a loan at your primary banking institution, it can still be comforting to know that your bank offers competitive loan rates.</span>