Acquisition of a phobia - classical conditioning
A phobic object (e.g. bee) starts as a neutral stimulus (NS), it causes a neutral response (NR), so there is no response.
An unconditioned stimulus (UCS) (e.g. pain of being stung) produces an unconditioned fear response (UCR), unconditioned stimulus-response links are automatic.
An association is formed when the NS is paired with the UCS. The object (bee) becomes a conditioned stimulus (CS), now producing the conditioned response (NR) (e.g. fear).
Phobias can then be generalised (e.g. fear of bees could lead to fear of other flying insects)