Be open and honest and answer whatever questions to the best of your ability without being too graphic for her age. DD and I talk openly about this kind of stuff and have for the last couple years (she's 10). But in my case, she was not conceived out of love so I am very careful not to tell her that people meet and fall in love and blah, blah, blah. She comes to me often with questions and I always answer them. My mom did not tell me a thing and I promised myself that I would be honest with my child. Recently, she was watching a movie with some friends and there was a brief mention of a condom. None of the other kids knew what a condom was. DD returned home in shock that they did not know. 
