Answer is "o" because
a(first letter)-F(6th letter)=different of 5 x+y
difference z to u = 5 x-y
difference g to l i= 5 x+y
difference t to o = 5 x-y
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The next block of four letters would be MRNI, because you start a new block with letters that are 6 places later in the alphabet than the one that comes four places earlier in the sequence