What was one cause of the reformation and its effect on Europe

At the start of the 16th century, many events led to the Protestant reformation. Clergy abuse caused people to begin criticizing the Catholic Church. The greed and scandalous lives of the clergy had created a split between them and the peasants. ... However, the split was moreover doctrine than corruption.

The Reformation became the basis for the founding of Protestantism, one of the three major branches of Christianity. The Reformation led to the reformulation of certain basic tenets of Christian belief and resulted in the division of Western Christendom between Roman Catholicism and the new Protestant traditions.

d is the logical answer but im not a 100% sure