Step 1: Separate the two timelines that students often confuse: time measured from fertilization versus time measured from the first day of the period. The options here are menstrual cycle days, so we count from the start of menstruation.
Step 2: Establish ovulation. For the textbook 28-day cycle, the luteal phase is fixed at 14 days, so ovulation falls on cycle day 14. The egg is fertilised in the ampulla shortly after, within a day.
Step 3: Add the pre-implantation development. The conceptus travels and develops for about a week, and the blastocyst attaches to the endometrium roughly 6 to 7 days after fertilisation. Day 14 plus about 7 days equals about day 21.
Step 4: That places implantation in the 20 to 22 day window of the cycle. The 5-7 day choice is a trap because it is the interval after fertilisation, not the cycle day.
\[\boxed{\text{20-22 days}}\]