B and T cell maturation involves three phases: 1) generation of antigen receptors through gene rearrangement, 2) refinement of antigen receptor repertoire through positive and negative selection, and 3) stimulation by foreign antigens. Positive selection ensures T cells recognize self MHC weakly, while negative selection eliminates those binding strongly to self antigens. The thymus tests T cells through these selection processes, with 98% of thymocytes undergoing apoptosis. Both B and T cells develop in specialized microenvironments, undergo gene rearrangement to generate diverse antigen receptors, and involve cell death via apoptosis.