With reference to sex, earthworm is…………… .

Explanation

**Step-by-Step Solution:**

1. **Understanding Earthworm Reproduction**: Earthworms have a unique reproductive system where both male and female reproductive organs are present in the same individual. This characteristic is known as being hermaphroditic.

2. **Definition of Hermaphroditism**: The term "hermaphrodite" refers to organisms that possess both male (testes) and female (ovaries) reproductive organs. This allows them to produce both sperm and eggs.

3. **Location of Reproductive Organs**: In earthworms, the testes are located in the 10th and 11th segments of their body, while the ovaries are found in the 14th segment. This anatomical arrangement is essential for their reproductive process.

...