Answer: d. offensive
Cultural sensitivity refers to the awareness of other people's cultural background, and of the implications this has on a person's outlook on life.
A comment that is culturally insensitive is one that lacks awareness of the listener's cultural background. Therefore, it is one that is likely to be offensive to the listener, even when that is not the original intention. A way to improve our cultural sensitivity is to spend time with people from other cultures or to learn more about other cultures through our own research.