What Would Cause a Genetic Female to Develop a Partly

What would cause a genetic female to develop a partly masculinized anatomy?​

A) excessive levels of alpha-fetoprotein in her blood
B) ​exposure of her mother to stressful experiences late in pregnancy
C) ​exposure to less than the usual amount of estrogen during an early sensitive period
D) exposure to more than the usual amount of testosterone during an early sensitive period