Necklace is related to jewellery in the same way as Shirt is related to ____.

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The relationship between *Necklace* and *Jewellery* is that a necklace is a type of jewellery. Similarly, a *Shirt* is a type of apparel.

- **Cloth**, **Cotton**, and **Thread** are materials used to make shirts but do not represent the category to which shirts belong.  
- **Apparel**, however, is the correct category for shirts, just as jewellery is for necklaces.

Thus, the correct answer is **(b) Apparel**.

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