What country can make you shiver?

Which number should replace the question mark?

I am a five-letter word under you,
Remove the first letter and I am above you,
Remove the second as well and I am around you.

Who am I?

I have feet, but no legs. Which animal Am I?

I can be cracked, made, told, and played. What am I?

You have 1023 apples and 10 bags. You have to distribute these apples in these 10 bags in any way you choose. But when I ask for a certain number of apples you have to give them in terms of bags without transferring the apples from other bags. How do you distribute the apples?

What is black when you buy it, red when you use it, and gray when you throw it away?

In a rainy season, one day 3 huge ladies walked under a normal-sized umbrella.
The umbrella is not huge enough to accommodate all 3 ladies yet not a single lady got wet. Why?

You and your two friends are working in a multinational company. How can you three find out the average salary of you all without disclosing your own salary to the other two?

How many times can you subtract the number 5 from 25?