Pullback of a morphism of schemes along the local scheme

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This should be a very simple question but I can't seem to figure it out. If we have a morphism of schemes $f: X \rightarrow Y$, I am trying to understand what fiber is above some $\operatorname{spec} \kappa(f(p))$ for $p$ a point in $X$. Let's just work with affine schemes for now. If we have an $A$-algebra $\phi: A \rightarrow B$ which induces a morphism of schemes $f: \operatorname{spec}B \rightarrow \operatorname{spec}A$. Then firstly, if $p \in \operatorname{spec}B$ is a point, then what does the pullback along the morphism $\operatorname{spec} \mathcal{O}_{f(p)} \rightarrow \operatorname{spec}A$ look like? If $\mathfrak{p}$ is the prime ideal of $B$ corresponding to the point $p$, then obviously the resulting scheme is the tensor product $\operatorname{spec}(B \otimes_{A} A_{\phi^{-1}(\mathfrak{p})})$. But what does this scheme actually correspond to? Is there some simplification of this? I used to wrongly think that this was the scheme $\operatorname{spec}\mathcal{O}_{p}$ but I have realised there is no reason to think that is true.

So once I understand that, I would like to pullback further along the morphism $\operatorname{spec}\kappa(f(p)) \rightarrow \operatorname{spec}\mathcal{O}_{f(p)}$. I know this should be quite easy but I'm having trouble seeing it.

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The construction of the fiber product is an important construction in algebraic geometry hence this question may have general interest for students.

If $\phi: A \rightarrow B$ is a map of unital commutative rings with $X:=Spec(B), S:=Spec(A)$ and $f: X \rightarrow S$ the induced morphism of affine schemes, we may for any point $\mathfrak{p} \subseteq B$ consider the image under $f$ , $\mathfrak{q}:=\phi^{-1}(\mathfrak{p})$. We get an inclusion of affine schemes (the inclusion of the point $\mathfrak{q}$ in $S$):

I1. $i:Spec(\kappa(\mathfrak{q})) \rightarrow S$

and we may ask: What is the fiber of $f$ over the point $\mathfrak{q}$? The answer is given by an exercise in Atiyah-Macdonald (Exercise 4.21). It says that the fiber is given by the following formula:

I2. $f^{-1}(\mathfrak{q})\cong Spec(B\otimes_A \kappa(\mathfrak{q}))$.

Your question: "But what does this scheme actually correspond to? Is there some simplification of this?"

Answer: You must do Exercise 4.21 in AM. Here you prove that this is the scheme theoretic fiber of the map $f$ at $\mathfrak{q}$. The inverse image scheme is the schematic fiber product of $i$ and $f$, and this is given by the tensor product of the rings $\kappa(\mathfrak{q})$ and $B$ over $A$.

In Hartshorne Theorem II.3.3 they prove that the fiber product $X\times_S Y$ of two schemes $X/S,Y/S$ is unique up to unique isomorphism, and the fiber product is constructed for affine schemes using the tensor product. Hence if $S:=Spec(R), X:=Spec(U), Y:=Spec(V)$, it follows there is a canonical isomorphism

I3. $X\times_S Y \cong Spec(U\otimes_R V)$.

Hence the formula I2

$f^{-1}(\mathfrak{q}):=Spec(B)\times_{Spec(A)} Spec(\kappa(\mathfrak{q}) \cong Spec(B\otimes_A \kappa(\mathfrak{q}))$

calulates the schematic inverse image of the point $\mathfrak{q}$.

More generally: If $\pi: X \rightarrow S$ is any morphism of schemes and if $s\in S$ is any point, let $i:=Spec(\kappa(s)) \rightarrow S$ be the inclusion of the pont $s$ into $S$. The fiber of $\pi$ at $s$ is by definition the fiber product $Spec(\kappa(s))\times_S X$.

Question: "I think I might be able to get the information I need from that answer, so thank you. Can I ask though, is it normal to take this long to grasp the basic foundations of algebraic geometry?"

Answer: If you do exercise 4.21 in AM and understand Theorem II.3.3 in Hartshorne you will get a better understanding of what the fiber product is. For affine schemes it follows the universal property for the fiber product translates into a universal property for the tensor product of commutative unital rings. The exercise in AM establish a 1-1 correspondence between the prime ideals $\mathfrak{p} \subseteq B$ with $\mathfrak{p}\cap A= \mathfrak{q}$ and the set of prime ideals in $B\otimes_A \kappa(\mathfrak{q})$.