What is the difference between a fear of a shark and a phobia of a shark?

a. Both fears and phobias serve the purpose of protecting us from threatening stimuli, but a phobia is a physiological response, while a fear is a cognitive response.
b. A phobia of a shark is a biological predisposed response to a potentially threatening stimulus. A fear is an over-exaggerated response
c. Both fears and phobias serve the purpose of protecting us from threatening stimuli, but a phobia is a biological response, while a fear is an emotional response.
d. Fear of a shark is a biologically predisposed response to a potentially threatening stimulus. A phobia is an over-exaggerated fear response.

Answer: D