Consumer spending accounts for 70 percent of the gross domestic product, which is the value of everything produced in the U.S. in a year. Consumer spending is ＿＿（36）＿＿ into durables (large goods, such as big appliances, not purchased very often), nondurables (food, clothing and things that wear out regularly) and services (banking, day care, medical). When the government ＿＿（37）＿＿ its monthly consumer confidence index, it is showing the mood of consumers. When confidence ＿＿（38）＿＿ , people cut back on spending. Typically, most of that cutback is from durables. After all, those items tend to be more expensive, and their purchase can be postponed. Some services will be cut back－full-service restaurants ＿＿（39）＿＿ to fast food, for example－but people still need most of their nondurables and services, such as food and day care. Demand for the products or services you sell is determined by several factors that apply to all consumers. Demand is based partly on the price of substitute and ＿＿（40）＿＿ products. If the store across the street or the online vendor charges lower prices for the same product, you must compensate in some way, perhaps with better service.