To decode the given question where BANK is written as AZMJ and TALE is written as SZKD, we need to identify the pattern used to encode these words. Let's analyze each letter and its corresponding encoded letter:

1. Consider the word BANK and its encoded form AZMJ:
   • B is encoded as A. The position of B is 2 and A is 1 (B - 1 = A).
   • A is encoded as Z. The position of A is 1 and Z is 26 (A - 1 or wrap around to end = Z).
   • N is encoded as M. The position of N is 14 and M is 13 (N - 1 = M).
   • K is encoded as J. The position of K is 11 and J is 10 (K - 1 = J).
2. Now consider the word TALE and its encoded form SZKD:
   • T is encoded as S. The position of T is 20 and S is 19 (T - 1 = S).
   • A is encoded as Z. The position of A is 1 and Z is 26 (A - 1 or wrap around to end = Z).
   • L is encoded as K. The position of L is 12 and K is 11 (L - 1 = K).
   • E is encoded as D. The position of E is 5 and D is 4 (E - 1 = D).

From the above observation, the encoding pattern can be described as each letter is replaced by the previous letter in the alphabetical order.

Using this pattern, let's encode the word LAND:

• L, which is the 12th letter, becomes K (12 - 1 = 11, which is K).
• A, which is the 1st letter, becomes Z (A - 1 = Z).
• N, which is the 14th letter, becomes M (14 - 1 = 13, which is M).
• D, which is the 4th letter, becomes C (4 - 1 = 3, which is C).

Thus, the code for LAND is KZMC.

Therefore, the correct answer is

KZMC

.