___ consists of data and/or information that have been organized and processed to convey understanding, experience, accumulated learning, and expertise as they apply to a current business problem.

Understanding

The ability to comprehend or grasp the nature, significance, or explanation of something.

Experience

Refer to the knowledge or skill acquired by a person over time through involvement in or exposure to activities.

Accumulated Learning

The total knowledge and skills gained over time through education and experience.