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