• 涂(river; borrowed sound)
• 土(earth; soil; land)

Coating is like river water overflowing across a surface, just as clay covers it.

• 氵(water; liquid)
• 由(from; due to; oil (phonetic))

Oil is a liquid that flows from a natural source.

• 于(at; in (pictographic — curved stroke representing breath escaping))

Breath curves and escapes from a person, meaning 'at' or 'in' a place.

• 涂(river; borrowed sound)
• 土(earth; soil; land)

Coating is like river water overflowing across a surface, just as clay covers it.

• 氵(water; liquid)
• 由(from; due to; oil (phonetic))

Oil is a liquid that flows from a natural source.

• 于(at; in (pictographic — curved stroke representing breath escaping))

Breath curves and escapes from a person, meaning 'at' or 'in' a place.