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8's about the right age, IMHO, for a discussion of at least the bare mechanics. 9 is well within the range of being able to start her period--and you want her to have at least a basic anatomy understanding of herself before she suddenly starts gushing blood, trust me.
"Sex" is different than "making babies." You don't have to go into any of the emotions involved in it, just stick with the biological functions if you're more comfortable with that. But I would say that "You're too young to know" is not a good thing to tell her, since it will only make her more curious, encourage her to seek answers from people who are not you, and give her the idea that there's something wrong or bad about it. If you're dead set on avoiding something, I'd say, "It's very complicated," and "We can talk about that part another time."
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