A lone hiker proceeds along a trail outdoors in the daytime, on a cobblestone path leading to a stone staircase going up the hillside.
The hiker is outdoors.
The hiker is asleep on the couch.
the people are standing
Three ladies enjoying a run.
Some people are racing bikes.
A person reads a newspaper out of sight.
A group in the street.
No discount is necessary to account for mortality benefits at a forward rate.