Final answer:
Charles Darwin's key observation that applies to the two penguin species is that different, ecologically similar species are found in separated but ecologically equivalent habitats worldwide.
Step-by-step explanation:
The correct answer to the student's question is that the key observation of Charles Darwin that applies to these two penguin species is:
a. Darwin noticed that different, yet ecologically similar, species inhabited separated, but ecologically similar, habitats around the globe.
This observation is strongly linked to the concept of allopatric speciation, which occurs when species become geographically separated and adapt to their respective environments, often leading to evolutionary divergence and the formation of new species.