My question was : $[$Given the maximum shear stress, maximum tensile stress, maximum bearing stress, and lengths, the problem was to find the maximum load P that can be applied. I understand everything in the expert response except for the location where bearing stress occurs. I think bearing stress occurs where the pin contacts the hanger where I've drawn it$.$ Can you explain which one is correct?$]$

And the expert$$s answer was : $[$Bearing stress typically occurs where two components come into contact and one exerts force directly on the other, potentially leading to deformation at the point of contact. In the case of a hanger assembly like the one in the image, bearing stress would indeed be most relevant where the pin goes through the hanger and is in contact with it$.$

In the image it looks like the calculation for bearing stress $\backslash$sigma $(\backslash$sigma b$)$ is being defined as the force Fb divided by the bearing area Asb. The bearing area would be the projected area of the pin in contact with the hanger, which is typically the diameter $($or radius$)$ of the pin times the thickness of the hanger material through which the pin passes.

If indicating that the bearing stress occurs at the interface where the pin contacts the hanger $($as per your red annotation$),$ that is indeed where the bearing stress would be expected to be the highest. This stress is usually assessed in the hanger, not in the pin, as the pin is often harder and less susceptible to deformation than the material of the hanger.

The expert's response likely accounts for the bearing stress at the correct interface, which would be across the entire surface area where the pin is in contact with the hanger. This would be the circumferential area if looking at a side section, essentially the width of the hanger in contact with the diameter of the pin, or if looked at as a $3$D projection, the thickness of the hanger times the diameter of the pin.

So$,$ if the question is about confirming the location of the bearing stress, it does occur where the pin contacts the hanger, and it seems from description that have correctly identified that location.$]$

I can$$t understand expert$$s answer. Does bearing stress occur in the areas both the expert and I identified? $($That is$,$ bearing stress occurs in both the area designated by the expert and the area I identified. Therefore, when calculating the maximum load that can be applied to this system, should the stress occurring in both areas be considered?$)$ Or does bearing stress occur only in the area I thought of$?$