Can you find the key in the picture below?

I can write cow in 13 letters.

Can You?

I am five letter word that is under you.
If you remove my 1st letter, then I am over you.
If you remove my 1st and 2nd letters then I am all around you.

Who am I?

A man lives on the fifteenth floor of an apartment building. Every morning he takes the elevator down to the lobby and leaves the building. In the evening, he gets into the elevator, and, if there is someone else in the elevator, or if it was raining that day, he goes back to his floor directly. Otherwise, he goes to the tenth floor and walks up five flights of stairs to his apartment. Can you explain why he does this?

John is looking at Jenifer, but Jenifer is looking at Jacob. John is married, but Jacob is not.

Is a married person looking at an unmarried person ?

What does this rebus means ?

I inserted a coin in a bottle and closed its mouth with the help of a cork. Now, I was able to take the coin out from the bottle without taking out the cork or breaking the bottle. Can you tell me how I did it?

John, a 5-year-old boy, was really fond of the chocolates. He asked his Mother to give him some money to buy his favourite chocolates. His Mother gave him $45. He went to the shopkeeper and asked, "How much is one chocolate for?". The shopkeeper said $3 for one chocolate. Also, if you give me the wrappers of three chocolates, I will give you one for the exchange.
In total, how much chocolate could John eat?

Wednesday, Steve and Pam go to a restaurant to eat lunch. After eating lunch, they pay the bill. But Steve and Pam do not pay the bill. So…who does?

I have cities, but no houses. I have mountains, but no trees. I have water, but no fish. What am I?