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Hello. Can anyone help me to find subordinate clauses in this sentence:

If you ask people why it is bad luck to walk under a ladder, they usually say that it`s because something might fall on your head.

I`ve found 5 subordinate clauses?!

Main clause: If you ask people
Subordinate clauses:

1. why it is bad luck - wh interrogative clause
2. to walk under a ladder - to infinitive clause
3. they usually say - adverbial-comment clause
4. that it`s - nominal that clause
5. because something might fall on your head - adverbial clause of reason

Is this correct?
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If you ask people why it is bad luck to walk under a ladder, they usually say that it`s because something might fall on your head.

Subordinate clauses:

1-- If you ask people why it is bad luck to walk under a ladder
2-- why it is bad luck to walk under a ladder
3-- that it`s because something might fall on your head
4-- because something might fall on your head
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