I believe the first one is referendum because the definition of referendum is "<span>a general vote by the electorate on a single political question that has been referred to them for a direct decision."
Which that's what the ballot is doing when it asks voters if they want to borrow money. Bond issue is relating for a companies need to raise money.
Question 9
It's the first Tuesday after the first Monday in November because it usually falls under November 2 - November 8
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