What does it mean if I have $20 retail value?does it mean I have $20 to spend?

or:What does it mean if I have $20 retail value?does it mean I have $20 to spend?or:Retail value is the price a manufacturer suggests a business sell

or:What does it mean if I have $20 retail value?does it mean I have $20 to spend?

or:Retail value is the price a manufacturer suggests a business sell a product for, the actual price often varies.

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