Z.R.
Yes, Virginia - there IS a Santa Clause. I still believe! Watch "Miracle on 34th Street" - the old one with Natalie Wood and Maureen O'Hara. It's an annual event in our house.
As for "the talk"... keep it simple. I remember being totally grossed-out... granted it was a different time.
As a Christian the empahsis on love and marriage - respect for your partner - is a must. Unfortunately, the media has devalued this relationship. How you and your husband display respect and affection towards each other will speak lowder than any "talk".