A man is not able to cross the river when his velocity is less than the velocity of river because if there will be less velocity then the flow of river will be more so it will push the man in the opposite direction and then he will be drowned/not be able to cross the river.
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but man have still (v cos theta ) which helps him to cross the river
but this velocity is not able to work so much when its velocity is less
i am not satisfied
u r not understanding