Lunch counter Benefits as well as Your Labor force
https://www.evernote.com/shard/s335/sh/a62227b4-263c-4a01-a51b-d990f3e0e0f6/d5afc739d798bacf9752c9ceb252734d
Workers pay for non-reimbursed costs from these accounts. Sadly, flexible-spending accounts are "use-it-or-lose-it" accounts; implying that any kind of funds leftover at the end of the year can not be "rolled over,"