(d) halving of chromosomes at the time of gamete formation.
Meiosis halves the chromosome number in gametes; when two gametes fuse at fertilisation, the original chromosome number is restored in the offspring.
The source passage (7.3.1) explicitly states that germ-cells are formed by meiosis, which results in half the number of chromosomes. Fusion of two such gametes (fertilisation) restores the full chromosome number in the zygote — keeping it constant across generations. Options (a), (b), and (c) describe incorrect stages or incorrect processes.