Introduction:
The Gaddis of Kulu are a tribal community residing in the Kulu district of Himachal Pradesh, India. They have a unique lifestyle and occupation that sets them apart from other communities in the region. In order to understand the Gaddis of Kulu better, it is important to analyze the given options and choose the one that best describes their way of life.

Options:
a) Money lenders
b) Reared only goats
c) Shepherds
d) Tribal chieftains

Explanation:
The correct answer is option 'c' - Shepherds. Here's why:

Shepherds:
The Gaddis of Kulu primarily depend on sheep and goat rearing as their main occupation. They are well-known for their expertise in sheep and goat herding and have been practicing it for generations. This occupation has shaped their way of life and is deeply ingrained in their culture. The Gaddis migrate with their livestock to high-altitude pastures during the summer months and descend to lower altitudes during winter, following a traditional migratory pattern known as transhumance. They have a strong bond with their animals and rely on them for milk, wool, and meat.

Money lenders:
While it is possible that some Gaddis may engage in money lending activities, this option does not accurately represent the primary occupation of the Gaddis of Kulu. Rearing livestock is their main source of livelihood and the activity that defines their community.

Reared only goats:
Although the Gaddis of Kulu do rear goats, it is important to note that they also rear sheep. The option 'b' only mentions goats, which does not encompass the complete picture of their occupation. Therefore, this option does not provide the best representation of the Gaddis of Kulu.

Tribal chieftains:
While the Gaddis of Kulu may have traditional leaders or influential figures within their community, referring to them as tribal chieftains oversimplifies their social structure. The Gaddis have a complex social system with various roles and responsibilities, and it is not accurate to solely identify them as tribal chieftains. Therefore, this option does not provide the most comprehensive description of the Gaddis of Kulu.

Conclusion:
Based on the given options, the most appropriate choice to describe the Gaddis of Kulu is that they are shepherds. Their occupation as shepherds and their close association with sheep and goats are central to their way of life and culture.

C