In epidemiology, environmental factors are those determinants of disease that are not transmitted genetically. Apart from the true monogenic genetic disorders, environmental factors may determine the development of disease in those genetically predisposed to a particular condition. Stress, physical and mental abuse, Diet, exposure to toxins, pathogens, radiation and chemicals found in almost all personal care products and household cleaners are common environmental factors that determine a large segment of non-hereditary disease. Environmental Factors affect business as well. I.E. interest rates, prices of oil, the weather. If a disease process is concluded to be the result of a combination of genetic and environmental factor influences, its etiological origin can be referred to as having a multifactorial pattern.