[Solved] With respect to business market offerings, if a marketer emphasizes a naked solution, he or she is emphasizing the product and service elements that all segment members value. Simple Interest: A method of calculating interest where the interest charge is based only on the principal amount, not on previously earned interest. Total Interest: The entire amount of interest paid over the life of a loan or financial product. Graduation Present: A gift given to an individual in celebration of completing an educational milestone, such as graduating from school or university. Retirement: The act of leaving one's job and ceasing to work, usually due to reaching a certain age or for health reasons.