You're driving on a downtown street in any Oregon city, lined with shops and restaurants. There is no posted speed limit sign. What speed limit applies?

25 mph applies in residential districts, public parks, and on ocean shores. A downtown commercial street is a business district, where the statutory limit is 20 mph. Misreading: Swaps the residential-district default (25 mph) for the business-district default (20 mph).

15 mph is the statutory default for alleys and narrow residential areas, not for a downtown commercial street, which is a business district where 20 mph applies. Misreading: Applies the alley / narrow-residential default (15 mph) to a downtown commercial street, which is a business district.

55 mph is the catch-all default for roads not meeting any other definition (e.g., rural state highways), not for downtown streets. Misreading: Applies the 'roads not meeting any other definition' catch-all to a street that clearly meets the business-district definition.