Always in you, Sometimes on you;

If I surround you, I can kill you.

What am I?

There are two beautiful yet remote islands in the South Pacific. The Islanders born on one island always tell the truth, and the Islanders from the other island always lie.
You are on one of the islands and meet three Islanders. You ask the first which island they are from in the most appropriate Polynesian tongue, and he indicates that the other two Islanders are from the same island. You ask the second Islander the same question, and he also indicates that the other two Islanders are from the same island.
Can you guess what the third Islander will answer to the same question?

In a contest, four fruits (an apple, a banana, an orange, and a pear) have been placed in four closed boxes (one fruit per box). People may guess which fruit is in which box. 123 people participate in the contest. When the boxes are opened, it turns out that 43 people have guessed none of the fruits correctly, 39 people have guessed one fruit correctly, and 31 people have guessed two fruits correctly.
How many people have guessed three fruits correctly, and how many people have guessed four fruits correctly

I know a nine-letter word having only one vowel.
Do you ?

The owner of a popular clothing store comes up with his own method of pricing items. A vest costs $8, socks cost $10, a tie costs $6, and a blouse costs $12. Using the owner’s method, how much would a pair of underwear cost?

You can see it everyday, But cannot touch it at will. What is it?

What word is identified by the below rebus?

Your Your Your Your Your
Your Your Your Your Your

Considering the below equation:

V + II - VI = 10
IV - X + VIII = 20
IV - VII + VI = 30

Then, I + II + III = ?

Name one eight-letter word with 'kst' in the middle, 'in' the beginning, 'and' at the end.?

A Miser man decided to go on a vacation for a month. He goes to the bank and asks for a trip loan of $500. The bank officer asks the man that the loan can only be approved when he mortgage some valuable thing at the bank. Miser man mortgages his only car whose worth was a whopping $80000. The Bank officer laughed at him and approve the loan instantly. After vacation when the miser man returns, the bank officer asked him "Are you an idiot, why is your mortgage such an expensive car for such a short loan?".

Miser man replied with some reason and the bank officer agreed that the miser man is actually not an idiot.

What did miser man reply to the bank loan officer?.