Commissary Conveniences as well as Your Labor force

https://www.evernote.com/shard/s630/sh/866da28d-caf1-4ee8-b286-3891292c050e/0eb75ae437e3179578c598462efe55af

Employees spend for non-reimbursed expenses from these accounts. However, flexible-spending accounts are "use-it-or-lose-it" accounts; implying that any funds remaining at the end of the year can't be " surrendered,"