Which one of the following is a product of learning?

Among the given options, skills are a product of learning, since they are acquired through practice and experience.

A skill is a learned capacity to carry out a task well, built up rather than inborn.

Intelligence is largely an innate general capacity, a condition for learning rather than its product.

Maturation is biological growth unfolding with age, occurring independently of practice.

Memory is a mental process or capacity for storing and retrieving, not itself an outcome that learning produces.

Learning is defined as a relatively permanent change in behaviour due to experience, distinct from maturation.