Final answer:
The given karyotype represents a female with Trisomy 21 (Down Syndrome). Therefore, the correct answer is option D.
Step-by-step explanation:
In the given karyotype, there are three copies of chromosome 21, which is characteristic of Trisomy 21, also known as Down Syndrome. Based on this information, we can determine that the karyotype represents both a female (option A) and Trisomy 21 (option C). Therefore, the correct answer is option D: Both A & C.