The ball landed in a sand bunker and there is a tree that you must hit under in order to reach the green.
You need to hit over a water hazard onto a small green.
You need to hit over a water hazard.
The ball landed in the rough but the lie is also very sandy.
The ball is sitting in the water and you can see at least half of it sticking out of it.
You hit every water, tree, and bunker that you so desperately want to avoid.
You are shooting short shot, downhill to the green but there is water or a bunker between your ball and the green.
You hit the ball into a lot of hazards.
You have a water hazard in front of you with tree limbs that are preventing a good hit over the water, onto the green.
Your ball is partially submerged in water near the green.