Answer: Option (b) is the correct answer.
Step-by-step explanation:
A precipitate is a substance that is an insoluble solid formed which is formed from a liquid.
For example,

Here,
is a precipitate formed from aqueous solutions of lead nitrate and sodium iodide.
A colloid is a substance in which microscopic particles are non-evenly dispersed in a dispersion medium. For example, milk is a colloid.
When particles of a solute in a solvent settle after some time due to their large size then this solution is known as suspension.
A gas is a matter in which particles have high kinetic energy and they are held by weak Vander waal forces.
Therefore, we can conclude that the term for the lumps that form when an acid is added to milk is called as precipitate.