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Answer: (C) HOMD
Explanation
The logic followed in the letter-clusters is a pattern of +1 and +0 applied alternately to the positions of the letters in the English alphabet. For each four-letter cluster, the first and third letters are incremented by one (+1), while the second and fourth letters remain the same (+0).
In the first pair AREA : BRFA: A + 1 = B R + 0 = R E + 1 = F A + 0 = A
In the second pair BABY : CACY: B + 1 = C A + 0 = A B + 1 = C Y + 0 = Y
Applying this logic to the fifth letter-cluster GOLD: G + 1 = H O + 0 = O L + 1 = M D + 0 = D
Following the pattern G(+1), O(+0), L(+1), D(+0) results in the letter-cluster HOMD.