Which statement best describes the philosophy of john locke

The set of choices to this questions are the following:
A. There is no need for government since natural law will ensure that humanity continues to progress.
B. Governments should have separation of powers to ensure their citizens retain the greatest possible liberty.
C. Monarchies, because of their divine blessings, ensure that civilization progresses to its maximum potential.
D. Because they should be accountable to the people, governments must protect the natural rights of its citizens or else be overthrown.

The answer is Letter D. Because they should be accountable to the people, governments must protect the natural rights of its citizens or else be overthrown.
John Lock uses a theory of natural rights to argue that governments have obligations to their citizens, have only limited powers over their citizens, and can ultimately be overthrown by citizens under certain circumstances.