Read the following passage and mark the letter A, B, C, or D on your answer sheet to indicate the correct answer to each of the questions.

  Accidents do not occur at random. People eighty-five years of age and older are twenty-two times likelyto die accidentally than are children five to nine years old. The risk for native Americans is four times that for Asian-Americans and twice that for white Americans or African-Americans. Males suffer accidents at more than twice the rate of females, in part because they are more prone to risky behavior. Alaskans are more than three times as likely as Rhode Islanders to die in an accident. Texans are twenty-one times more likely than New Jerseyites to die in a natural disaster. Among the one hundred most populous counties, Kern County, California (Bakersfield), has an accident fatality rate three times greater than Summit County, Ohio (Akron).

  Accidents happens more often to poor people. Those living in poverty receive inferior medical care, are more apt to reside in houses with faulty heating and electrical systems, drive older cars with fewer safety features, and are less likely to use safety belts. People in rural areas have more accidents than city or suburban dwellers because farming is much riskier than working in a factory or office and because emergency medical services are less readily available. These two factors - low income and rural residence - may explain why the south has a higher accident rate than the north.

(Source: Proficiency Reading)

What does the word “that” in the passage refer to?