Which of the following terms best describes a service or product that consumers utilize directly?

The term "Consumer Products" accurately describes goods or services that are intended for direct use by consumers. These products are designed to meet the everyday needs and desires of individuals, ranging from food and clothing to electronics and household items. Such items are readily accessible to consumers and are typically purchased for personal use rather than for business purposes.

In contrast, the other options do not specifically relate to direct consumer use. "Capital Products" refer to items that are used by businesses to produce goods or services, which means they are not directly consumed by the end users. "Operating Expenses" encompass the costs associated with running a business, such as rent, utilities, and salaries, rather than the products or services consumed. Meanwhile, a "Traditional Economy" describes a type of economic system that relies on customs and barter instead of the consumer-oriented marketplace, thus lacking the specificity of consumer-directed goods or services. Understanding these distinctions helps clarify why "Consumer Products" is the most fitting term in relation to direct consumer utilization.