Lunch counter Fringe Benefits together with Your Labor force
https://www.evernote.com/shard/s630/sh/858722a1-2c8b-4c76-969a-d080d638c387/79f48b6f88afaef113135125c8116fc4
Workers spend for non-reimbursed expenses from these accounts. However, flexible-spending accounts are "use-it-or-lose-it" accounts; suggesting that any funds leftover at the end of the year can't be " surrendered,"