Independent variables are things that can stand alone. Which set of these variables does not rely on each other? For example the income and savings. I want 1,000,000 in my savings account, however my income is not nearly that high since I only make 19,000. Look at the other pairs and see if there is a correlation between them.
1/23 = 0.043
I hope this helps :)
Answer:
the answer to the problem is h=7