Like most ATPL exam questions, a case of RTFQ.
The question asks "which fATPL holder", so that rules out B as that states he has an ATPL, I'd rule out C as they would probably qualify for an ATPL with that experience. We can rule out A as the question asked about low cost airlines, they usually require people to pay for their own TR and they have no funds available, so i'll go for answer D.
