The document summarizes the processes of conception, fertilization, implantation, fetal development and the development of organ systems in the fetus. It describes how the ovum and sperm are produced, how fertilization occurs when the sperm meets the ovum, and how the zygote then implants in the uterus. It outlines the stages of development from zygote to embryo to fetus. It also provides details on fetal membranes, the amniotic fluid, umbilical cord and placenta. Finally, it discusses the early development of major organ systems like the cardiovascular, nervous, endocrine, digestive and respiratory systems in the fetus.