Final answer:
The spinal cord terminates at the level of the upper lumbar vertebrae, specifically at the L1 or L2 vertebrae.
Step-by-step explanation:
The spinal cord terminates at the level of the upper lumbar vertebrae, specifically at the L1 or L2 vertebrae. At this level, the spinal cord tapers off into a collection of nerves called the cauda equina, which resembles a horse's tail. The spinal nerves extend from their various levels to the proper level of the vertebral column, allowing for proper nerve function throughout the body.