Jane is a 20-year-old individual who externally resembles a female but who is actually genetically a male (XY). Based on your knowledge of human development, how could this be possible?

A) Although Jane is genetically a male, she has produced an abnormal amount of estrogen since birth.
B) During development, Jane's body produced an excessive amount of testosterone, leading to the development of female external genitalia.
C) Jane's embryonic gonads did not produce androgens, or they lacked functional testosterone receptors.
D) Due to a genetic defect, Jane lacks sufficient aromatase activity, the enzyme that converts testosterone into estrogen.