Try and remember it this way. Cause and effect. Effect is the result of something, while affect is like it influenced something.
Answer:
Understanding
Explanation:
In simple words, Understanding can be understood as a psychological mechanism in which one is prepared to learn about through use ideas to interact effectively with a conceptual or tangible entity, as in an individual, circumstance, or letter. Understanding is just a relationship between the learner and the understood object.
Thus, from the above we can conclude that the correct option is understanding.