**Core Concept**
The question pertains to the process of ossification in the human body, specifically the timing and locations where bones ossify at birth. Ossification is the process by which cartilaginous or membranous tissue transforms into bone tissue.

**Why the Correct Answer is Right**
Bones ossify through two main processes: intramembranous ossification and endochondral ossification. In humans, some bones ossify at birth, while others continue to ossify after birth. The bones that ossify at birth, also known as primary ossification centers, include the clavicle, scapula, humerus, femur, tibia, fibula, and the majority of the bones of the hands and feet. The lower end of the femur, calcaneum, and upper end of the tibia are all examples of bones that ossify at birth. This process is crucial for the development and growth of the human skeleton.

**Why Each Wrong Option is Incorrect**
**Option A:** The lower end of the femur ossifies at birth, which is why this option is incorrect.
**Option B:** The calcaneum also ossifies at birth, making this option incorrect as well.
**Option C:** The upper end of the tibia is another example of a bone that ossifies at birth, which is why this option is incorrect.

**Clinical Pearl / High-Yield Fact**
It's essential to remember that the timing and process of ossification can vary among individuals, and some bones may ossify later in life due to various factors such as genetics or injury.

**✓ Correct Answer: D. All**