Hi welshgar,
Probably all 3, mine's rattles like a symphony orchestra, the tool arrangement was dreamt up by a 7yr old, my c/stand appears to be 'slack' and I think it is bouncing off the underside and the chain also appears to be a little loose. In fairness the bike is due it's 600 mile, so the chain will be set properly, however I may have to bungy-up the c/stand.
Mike