Correct option is (d) \(-\frac{\Delta t}{2}\frac{\partial^2(\rho\phi)}{\partial t^2}\)
Easiest explanation: While using the first-order explicit Euler scheme, an extra term called the numerical anti-diffusion occurs. This term can be obtained by using the Taylor series expansion. The term is
\(-\frac{\Delta t}{2}\frac{\partial^2(\rho\phi)}{\partial t^2}\).