A flexible expense is something that can be changed at any time. Vacation savings fits the mold of this, as it can be changed. It is not desperately needed, unlike the others.
I think it's 'Congress chartered a second national bank in Philadelphia' but im not sure
The only definition I know is this one I have: a printed document that advertises or describes a school, commercial enterprise, forthcoming book, etc., in order to attract or inform clients, members, buyers, or investors.
<span>Germany established the first national health insurance program in 1883, followed by Austria in 1888, and other European countries over the course of the twentieth century</span>