Final answer:
Females have two X chromosomes (XX) and males have one X chromosome and one Y chromosome (XY). The Y chromosome carries genes for male characteristics.
Step-by-step explanation:
Each individual has two sex chromosomes; females have two X chromosomes (XX), while males have one X chromosome and one Y chromosome (XY). Sex determination is not solely based on the mother's chromosomes, as the father's chromosomes also play a role. In mammals, including humans, sex is determined by the presence of XX in females and XY in males. The Y chromosome carries genes for male characteristics, such as the SRY gene, which triggers the embryo to develop into a male.