Do you have a phobia?! Is it in born or developed?!

I have taken psychology and one of the experiments was on a little boy. They decided to test if we are born with phobias or of they vare learned. Basically they gave the boy a white rat to play with (the subject was around aged 1 and wasnt scared of anything his name was 'Little Albert') To cut a LONG story short they scared him every time he played with the white rat. He eventually became scared of lots of little white things, including father christmas because of the white beard. The psychologist was going to cure him but the mother wouldnt allow him anywhere near the little boy again as he seemed to have a phobia of all white things. So this brings the theory that phobias are learned and not built in!

i have developed a phobia from street dogs.previously i wasn't even bothered by them but once i witnessed a street dog bite my sister on her way home from school.she was taking vaccinations but it reacted and she had to be hospitalised. i was too young to understand all these and somewhat developed a fear of street dogs which i have carried to my adulthood. i have increased anxiety till now in the presence of street dogs.

I thought I had phobia of spiders but later I found out about other persons and their phobias. Maybe I am not that phobic, I can stand their pictures, their presence near me etc. And I don't think I had any history with spiders, so maybe some phobia are born...(was my mother attacked by a spider while pregnant?)