Hamlet (h) used the drought (旱) to dry fruits (干) under the sun (日) in the anthill's bathroom (an4), but the marmot (旱) secretly stole and ate all the dried fruits.
灾
=
宀
+
火
:
Zorro (z) just earned his PhD and is celebrating it with a bonfire (火) in front of the airplane (ai1), but then he accidentally drops his graduation cap (宀) and his certificate into the fire! What a disaster (灾)!