Man Hing has started writing his dissertation this year. Pray that God will give them grace and a fearful heart and finish their study well.

文庆今年开始撰写论文，求神赐恩，让他们常存敬畏神的心，靠主完成学业。

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You forfeit any unused funds each year, but many employers that offer FSAs give employees a grace period.

WSJ: Use Up Funds in Your FSA