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is something that can Increase your chances of developing a disease.
Health factor
Fitness factor

Some risks factors can't be changed, such as your genes or ethnicity. ... The more risk factors you have—such as smoking, high blood pressure, or diabetes—the greater your risk. Exercise and a healthy diet, on the other hand, can make your chance of developing heart disease lower than for most other people. So, yes there's something that can increase your chances of developing a disease.

this would and i think the answer is d