Answer:
The physical view of a database system refers to how and where the data are physically arranged and stored, which is the correct answer choice.
Step-by-step explanation:
A) How a user or programmer conceptually organizes and understands the data. This is not the physical view of a database system, but rather the conceptual view, which is concerned with how users and programmers think about and understand the data.
B) How the DBMS accesses data for a certain application program. This is not the physical view of a database system, but rather the external view, which is concerned with how the database system appears to and interacts with external users and applications.
C) How and where the data are physically arranged and stored. This is the physical view of a database system, which is concerned with the physical organization and storage of the data on a computer or other device.
D) How files store data values used by more than one application program. This is not the physical view of a database system, but rather the logical view, which is concerned with the organization and structure of the data as it is stored and accessed by the database system.