Final answer:
If Monica's baby was exposed to a teratogen during the embryonic period, the major problem might be a malformation of a major body structure. However, if Monica drank alcohol during pregnancy, the major problem is most apt to be a developmental disorder.
Step-by-step explanation:
A teratogen is any environmental agent that causes damage to the developing embryo or fetus. If Monica's baby was exposed to a teratogen during the embryonic period, the major problem might be a malformation of a major body structure. For example, if Monica consumed alcohol during pregnancy, the major problem would be a malformation of a major body structure. However, if Monica drank alcohol during pregnancy, the major problem is most apt to be a developmental disorder. Therefore, the correct answer is d) a malformation of a major body structure for both.