Which term examines the relationship between wholesale cost and total cost to consumers?

The correct choice is the Merchandise Value Ratio (MVR) because it specifically analyzes the relationship between wholesale costs and total costs incurred by consumers. The MVR provides insight into the cost structure of merchandise, helping to understand how wholesale pricing affects retail pricing and ultimately, the consumer's purchasing decision. This ratio is valuable for retailers to assess their pricing strategies and ensure that they provide value to their customers while maintaining profitability.

Other options, while relevant in discussing costs or values in commerce, do not directly address the specific relationship between wholesale and consumer costs. For instance, the Consumer Value Index (CVI) focuses more broadly on the perceived value to consumers rather than the cost relationship. Impact factors refer to various influences that could affect pricing but do not measure the cost relationship directly. Cost-benefit analysis evaluates the overall benefits versus costs of a decision rather than focusing specifically on the wholesale and consumer cost relationship. Therefore, MVR is the clear term that specifically fits the question's criteria.