گائیں قرض میں ہیں۔ – Gayein qarz mein hain. – गायें क़र्ज़ में हैं।

English: The cows are in debt.

Short Explanation:

Grammar Point: The Simple Present tense with "to be" (are) describes a current state or fact — here, "in debt".

Structure: Subject + are + adjective/noun (e.g., It are in debt).

Usage Tip: Use this pattern to describe qualities, conditions, or facts about people, places, or things.