Step 1: List every stated factor.
Environment, heredity, and education are each named separately as options.
Step 2: Test whether each genuinely matters.
Heredity affects temperament, environment affects daily stress and support, and education affects self-confidence and coping skills. All three checks pass.
Step 3: Combine rather than isolate.
Since none of these three can be safely dropped, the complete and accurate answer must include all of them together.
Final Answer:
"All of these" is the only option that does not leave out a genuine factor.