The independent variable of the following predictions; 1)Low credit rating, more car accidents

The independent variable of the following predictions;

1)Low credit rating, more car accidents. If your credit score is higher, car insurance companies will lower your premium, since you are a lower driving risk. People with poor credit ratings are charged more for car insurance. A low credit score can increase your premium more than an at-fault car accident; missing two payments can as much as double your premium.

2)If you quit smoking, you lose contacts become 36 percent less likely to smoke. Your chance of becoming obese increases by 57 percent if you have a friend who becomes obese.

3)Crime is more likely to repeat nearby, spreading like earthquake aftershocks

4)More engaged employees have fewer accidents. Among oil refinery workers, a one-percentage-point increase in team employee engagement is associated with a percent decrease in the number of safety incidents per employee.