The resulting embryo is either XX or XY (female fetus or male fetus, respectively).
Hermaphrodites occur when chromosomal abnormalities occur and the normal XX or XY does not occur.
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In embryos with an XX chromosome combination, the resulting fetus will normally develop as female – due to a lack of testosterone, which is produced only when there is an XY combination.
Without sufficient testosterone, testes do not form and the ovaries develop by default.