[Rosie] a settlement -- (as in 'place where people live'?) NO
[Raak] a group of people -- NO, although there is a relationship between a group of people and the answer.
[Dandalf] Geographic connection -- NO, depending on what you mean by that. The answer is more common in some places than others, but it would be too misleading to answer 'yes'.

[Rosie] to do with death -- NO.

[Raak] to do with religion -- NO

To clarify: Religion, or things to do with religion, can be related in a particular way to The Answer On The Card, but is The Answer to do with religion (or its things) more than to do with other things? NO. This is what I meant in my answer to "to do with art" and "to do with mathematics". Keep going, though.

[Dandalf] is it the environment? -- NO.

[Chalky] an emotion -- NO.

[Chalky] a hobby or pastime -- NO.

[Inkspot] a human element required -- fundamentally YES
[Projoy] if it's not something you can do, is it something you can be -- NO... *audience wakes up and makes encouraging murmurs*
[Dandalf] Science -- NO.

[Raak] Thought -- NO... thought is more closely related to this than most of the previous answers, but it's still a fair way off.

Two further clarifications: I have come across this in a work of fiction, but it is not really from fiction. And some people may involve this in a hobby or pastime, but I wouldn't classify the words on the card as a hobby or pastime. I'm not being intentionally vague, honest...

[Tuj] something spiritual -- NO