Matter becomes the primary source of gravity. Matter begins to clump with the aid of large amounts of exotic or dark matter. This matter interacts weakly with electromagnetic energy, but is able to clump with itself through gravity, even during the domination of electromagnetic energy. Continued expansion and cooling allow matter and electromagnetic energy to decouple. The nuclei of atoms are able to capture electrons to form complete atoms of hydrogen, helium and lithium.
Galaxy formation begins as matter continues to clump.
The solar system forms. Life begins on earth. Jesus Christ conquers sin.