The correct answer is:
d. An enzyme in her mouth broke down the polysaccharides in the cracker into monosaccharides.
When Mrs. Ruhala chewed the cracker, the enzyme amylase in her saliva began to break down the carbohydrates (specifically, starches) in the cracker into simpler sugars, including monosaccharides. This is why the cracker tested negative for monosaccharides before chewing and tested positive afterward.