Question: One day a student walked by and saw a cloud. After a while it rained, making us wet. because I forgot to bring an umbrella

One day a student walked by and saw a cloud. After a while it rained, making us wet. because I forgot to bring an umbrella If I had an umbrella today, I wouldn't have to get wet in the rain and have the flu and have to go to the clinic. The three variables mentioned are for students to separate. Which variables are risk factors? Which variables are at risk? and hedging variables explain enough to understand.

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