Explanation:

Here's how I’d break this down:

- First, let’s split each group into its four letters:

1. UTMD

2. QXIH

3. MBEL

4. IFAP

5. ?

- Now, look at how each letter in the clusters changes from step to step. Spoiler alert: It’s a backward alphabet pattern mixed with uneven jumps.

- For the first letter:

- U ? Q (down 4)

- Q ? M (down 4)

- M ? I (down 4)

- I ? E (down 4)

- For the second letter:

- T ? X (up 4)

- X ? B (looping: X,Y,Z,A,B; up 4)

- B ? F (up 4)

- F ? J (up 4)

- For the third letter:

- M ? I (down 4)

- I ? E (down 4)

- E ? A (down 4)

- A ? W (looping reverse: Z,Y,X,W; down 4)

- For the fourth letter:

- D ? H (up 4)

- H ? L (up 4)

- L ? P (up 4)

- P ? T (up 4)

- So, the pattern gives you: EJWT

- Now let’s check the options:

1. EKXT

2. EKWU

3. EJWT

4. DJVT

- Option 3 matches exactly.

Here’s the bottom line:

- Patterns are: -4, +4, -4, +4 per position, cycling with alphabet wraparounds.

- Only “EJWT” checks out with the full logic.

Correct Answer: Option 3 – EJWT