Step 1: Compare the major reservoirs of Earth's freshwater.
The vast majority of Earth's water is saline (in oceans). Of the small percentage that is freshwater, most is locked up in glaciers and ice caps.
Step 2: Compare liquid freshwater reservoirs.
Of the liquid freshwater, the two main reservoirs are groundwater and surface water (lakes, rivers, swamps, etc.).
Step 3: Estimate the relative amounts.
Groundwater constitutes approximately 30% of all freshwater on Earth. All the surface freshwater (lakes, rivers, etc.) combined constitutes only about 1.2% of all freshwater.
Step 4: Calculate the approximate ratio and evaluate the options. The ratio of groundwater to surface water is roughly 30% / 1.2% \(\approx\) 25. Therefore, the amount of groundwater is approximately 25 times the amount of surface freshwater. Option (D) correctly captures this significant difference in magnitude.