The answer is d, if psychological needs are not met
No... Down Syndrome is a chromosome deficiency that happens during conception when a spem and egg fertilize. Sometimes the X and Y Chromosomes don't add up correctly and can (sadly) cause this deficiency. Water in the mother's lungs can cause pneumonia which can potentially harm the fetus due to lack of oxygen. But this cannot cause down Syndrome. Water in the baby's lungs will also not cause Down Syndrome.
His theory is primarily that our personality is formed by our positive and negative experiences in life, and that with each stage of his development, we experience certain stages in our personality development.
The answer to your question is D.