What psychological challenges might Viva have faced if she had physically matured later than most of her peers? a) Difficulty fitting in socially with her physically mature peers, leading to feelings of isolation and loneliness. b) Increased self-consciousness and low self-esteem due to appearing different from her peers. c) Potential bullying and teasing from peers due to her physical immaturity. d) Struggles with developing a sense of identity and self-confidence as she compares herself to others who have already matured physically.