a default route has a 0.0.0.0/0 in its address, meaning 'anything' (that doesn't match else-where in the table) also look into gateways of last resort.
It is really sad to see CCNA questions are more and more like a Microsoft exam questions now. So many gotcha Qs instead of allowing test taker to troubleshoot on simulator to fix thing on broken stuff.
The difference between this question & the next one is:
Here, they ask about the route, while the router doesn't learn it directly (it's not in the routing table), its route is the default route.
The next question asks about the destination, the router will route to the closet subnet, to reach distination.
No that's wrong, 172.16.0.14 is not on the routing table so it goes to 0.0.0.0/0 connected via - D
Question #237 172.16.0.14 = D
Question #238 172.16.3.14 = C
D is correct because there is no network in the routing table that includes 172.16.0.14 in its IP range, so the router needs to default to the gateway of last resort, which in this case is the serial 0/1/0 interface with the next-hop IP address 209.165.200.246.
Sorry, I was wrong. I didn't read the instruction carefully
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