The ACL on the router interface can block traffic between VLANs; this is the first logical step.
Why this answer
The ACL applied to the router interface connected to VLAN 10 is the most likely cause of the connectivity issue, as it can explicitly permit or deny traffic from VLAN 10 to VLAN 20. Reviewing the ACL configuration first allows the analyst to quickly determine if the traffic is being blocked by a deny statement or missing permit entry, which is a common and immediate cause of such inter-VLAN routing failures. This step is the most efficient because it directly addresses the access control mechanism at the routing boundary.
How to eliminate wrong answers
Option B is wrong because running a traceroute from a user machine to the server would show where packets are dropped, but it does not identify the specific ACL rule causing the drop; it only confirms the symptom, not the root cause. Option C is wrong because checking the ARP table for the server's MAC address is irrelevant to ACL filtering; ARP resolves IP to MAC addresses at Layer 2, while ACLs operate at Layer 3/4 on the router. Option D is wrong because verifying the VLAN configuration on the switch would only confirm that VLANs 10 and 20 exist and are correctly assigned to ports, but it does not address the router's ACL, which is the explicit access control mechanism applied to the routed interface.