Answer: The correct answer is "it changes speed".
Explanation:
Refraction: it is the phenomenon which occurs when the light rays travel from one medium to the another medium.
In refraction, the light rays get bend due to the change in the speed of light rays.
In reflection, the light ray is reflected back in the same medium. The light ray reflected back after striking the obstacle without getting absorb or transmit in it.
Therefore, light bends when it passes from air to water due to change in the speed.
