If X is independent to Y and Z, does it imply that X is independent to YZ ? After years of mathematics, I am struggling with this simple question. 
If we have 3 r.v. $X,Y,Z$ and we have $X$ independent to $Y$ and to $Z$, then do we have that $X$ is also independent to $YZ$ ?
At first sight, I thought that if $X$ is independent to $Y$ and $Z$, it is also independent to the sigma-algebra generated by $Y$ and to $Z$ and hence $YZ$ but the example below made me confused : 
https://en.wikipedia.org/wiki/Pairwise_independence
If someone can make this clear...
Thank you very much in advance ! 
 A: Short answer: No, $X \perp Y , X \perp Z$ doesn't imply $X \perp YZ$
Let's say you do an experiment where you choose a number randomly from:
{1,2,3,4,6,7,8,9}
Let X = 1 if:
(Your chosen number is even AND less than five) OR (your chosen number is odd AND greater than 5)
and 0 otherwise
Let Y = 1 if your chosen number is even, 0 otherwise
Let Z = 1 if your chosen number is greater than 5, 0 otherwise
Now we know X = 1 with probability - 0.5 (2,4,7,9) and 0 with probability 0.5 (1,3,6,8)
If we know Y = 1, X is still 1 with p = 0.5 (2,4) and 0 with p = 0.5 (6,8)
If we know Y = 0, X is still 1 with p = 0.5 (7,9) and 0 with p = 0.5 (1,3)
If we know Z = 1, X is still 1 with p = 0.5 (7,9) and 0 with p = 0.5 (6,8)
If we know Z = 0, X is still 1 with p = 0.5 (2,4) and 0 with p = 0.5 (1,3)
So X is independent of Y and X is independent of Z.
But knowing if a number is even AND knowing if it's greater than 5 (Y & Z), makes us know X with certainty. e.g. Y = 1, Z = 1, then YZ = 1, X has to be 0 with probability 1 (as X is 0 if the number is an even number > 5)
$P(X = 0 | Y ) = P(X = 0) = 0.5$ (same for X = 1)
$P(X = 0 | Z ) = P(X = 0) = 0.5$ (same for X = 1)
But
$P(X = 0 | YZ = 1) = 1 \neq P(X=0) $  (similar for X = 1)
A: You can see it as having information on $Y$ is not enough to determine $X$ an identically with information on $Z$ however if you have combined informations it could determined $X$.
An example I came up with is (may be not a good one but it helps me understand whats going on).
You have a set of peoples on with you can know the colours of the hair, given by the variable $X$, there first name given by $Y$, and there last name given by $Z$.
The independence of $X$ and $Y$ tells you that even if you know there first name that does not help you in knowing the colours of there hairs. Intuitively it says that the color of the hair does not depend on your name.
The same with the last name.
However if you know both the first name and last name you know which person it is exactly hence you know the color of its hairs.
I hope this example is not confusing you :S 
