Why Do Things Look Blurry Underwater Without Dive Goggles or Mask

Why do things look blurry underwater without dive goggles or mask?

A) Rather than air, light is moving from water into the cornea and is thus refracted too little for a sharp focus.
B) Light waves are scattered by the water before reaching the eye, causing the image to appear blurry and unsharp.
C) Light moves more slowly through the water, causing images to appear larger and closer.
D) The cornea does not function in water, causing the image to appear larger and closer.
E) The water magnifies the image because it is denser than the lens of the eye.