The correct choice is (d) A fungal-algal association
Best explanation: Lichens are a fungal-algal symbiosis (that frequently includes a third member, a cyanobacterium). The mass of fungal hyphae provides a protected habitat for the algae, and takes up water and nutrients for the algae. In return, the algae (and cynaobacteria) provide carbohydrates as a source of energy for the fungus.