11.   The end of the year tends to be enrollment season for flexible spending accounts, most of which are based on the calendar year.

12.   The lesson is doubly true for dependent care flexible spending accounts.

13.   There are two kinds of flexible spending accounts, one for dependent care and one for health care expenses.

14.   These people are taking advantage of a tax break called flexible spending accounts that hardly anyone believes is good public policy.

15.   You can offer flexible spending accounts, where employees may set aside pretax dollars for child care.

16.   You might not get as much insurance as you want, and you certainly will be dropped from any flexible spending accounts.