Anything that is of value to a consumer and can be offered through a voluntary marketing exchange.

"a product"

Explanation:

According to my research on different business terminology, I can say that based on the information provided within the question the term being defined is called a product. Like mentioned in the question "a product" is anything whether it be physical or virtual that holds some significance to a potential customer, so much so that they are willing to purchase it with an exchange of money or another "product" of value to you.

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no, dan should reduce his discretionary spending. not long-term goals involve more planning than short-term goals do

the earthquake in haiti was a magnitude of 7.0 according to the u.s geological survey yet the smaller earthquake in haiti killed more than 200,000 and left more than 1.2 million people homeless. the chile earthquake was a magnitude of 8.8 and 500 times more stronger but chile's earthquake only injured 712 people.