A painting of a man riding a mountain bike on a mountain trail.
The man is on a mountain.
The man is riding a bike at the beach.
The string of beaches along the coast are popular for locals.
I decided that the glasses should be left open and unlabeled.
Two men play pool.
My mother still lives in her own home because she's very fit and healthy.
I remained silent.
(Adapted from OMB Circular A-11) The government's cost of direct loans is calculated on a present value basis.