Cash prize draw as an incentive to complete a survey

Q: To encourage consumers to fill out a survey, we offered entry into a cash prize draw as an incentive if you complete the survey. 5 respondents will each win a certain amount of money. After capturing the respondents details, my systems crashed and I lost all the data, I tried everything I could and there is no way of retrieving that data. What do I do ? I have no way of knowing who completed the survey, so how do I choose five winners. Is this form of incentive permissible?

Does the words "Its over" constitute divorce?

Q: On sunday my husband packed up my bags and came and dropped me off at my mother's house, he told me that he feels suffocated in the marriage. He came, left some of my stuff, went back to our home, loaded more stuff, came back, sat with my brother, I was shocked so I wasn't paying much attention to what they were saying but according to my brother, he said ''its over''. I asked him last night what did he mean by saying its over, to which he replied, nobody should come to conclusions and assume what I meant, if any Moulana wants to know why he brought me home, they should contact him and not come up with fatwa's that are not true. My question is, does this count as a talaaq and should my iddat have begun on sunday or is it not counted as talaaq. He did not use the words I divorce you.

Being intimate with one's wife in the state of haidh

Q: The following are few questions regarding a woman in the state of haidh or janaabat:

  1. Can her husband fulfil his desires using her thighs? If not, can it be fulfilled by putting a thin garment in between?
  2. Can the husband touch the area between the navel and knee with his bear hands? Also, can their thighs meet without any barrier between together with having the private parts covered?

Insuring parcels

Q: In the place where I live, majority of the time when I posted parcels in and around the country without insuring it, the parcel hadn't reached. However everytime I insured the parcel it reached. Is the insuring permissible in this case.