Correct option is D
Option (d) contains an error.
The error lies in the use of "have" with the singular subject "She."
The correct form should be "has" to agree with the singular subject in present perfect continuous tense.
Grammatical rule used: In present perfect continuous tense, singular subjects require "has been" and plural subjects require "have been."
Example: She has been spending all her money to make her flat more decorative.