Deducting debts when calculating zakaat

Q: I am trying to understand a masala. For example:

Zaid takes a loan of $5,000 from his brother, and his brother tells him to pay $200/month, but Zaid doesn't pay every single month, but on and off. Would it be necessary to deduct however much money Zaid owes his brother of that loan when calculating Zakat or Zaid will not deduct anything because his brother is not asking for the money?

At the same time, Zaid's brother did not verbally mention to him that he has pardoned the debt. Would qiyas—here— be made on مهر مؤجل, in terms of it not being deducted because of عدم المطالبة عادة

Giving a gift to a government official for a tender

Q: I work in a government organization as an officer. We deal with a lot of tenders. Everyday lots of contractors visit us regarding projects. These days we are working on a new tender and a contractor (let’s call him X), who frequently visits us, informed me that his company’s country head is in town and wants to meet us. I asked him to come to our office and meet our team.

X came along with the country head and we discussed technical matters. At the end of our meeting, the country head gave us a gift bag and told us that this is a souvenir from his side for us. We were 3 team members but he brought souvenirs for only the two of the team members. He didn’t give anything to the third person.

Was this ‘souvenir’ a bribe to us? Because the meeting was regarding a tender, but we are not giving them any favours. We are going through the whole tender process as transparently as possible. I am worried whether this souvenir is a bribe or not, because I realised it later on, after he left, that it might be a bribe. We still won’t be giving them any favours on the tender project. If it is termed as a bribe, what should I do now because I have already accepted the gift.

Note: The country head gave us the products that his own company makes, hence called it a souvenir. 

Difference between mazi and mani

Q: My question is regarding mazi and mani. 

1. Is mani thin and yellow for most women? I've read from many good sources that mani is thin and yellow for women, but can be white if the woman is strong.

2. How would I know if my mani is yellow or white in my case? There are three other characteristics that can also classify if the discharge is mani or not, such as, if it smells like pollen, comes out after feeling pleasure and spurts out. But how would I know if the mani I experience is thin and yellow, or just white. The reason is because I have seen mani come out yellow many years ago, but have only been seeing white see through discharge since I've been unwell. I would classify myself as weak because my health is not up to normal standards.

3. Can I say the white discharge I get is mazi and not mani?

4. Can, feeling extreme excitement without physically touching of a man release mani? I didn't know that a person could climax without sexual intercourse. 

Charging a penalty for late payment

Q: Is it permissible to sell an item on terms to pay and in the receipt/agreement it is made clear that if payment is not made by a stipulated date, the person will be charged a set amount for each month in the delay of payment. Both parties sign the agreement and everything is transparent. Or is the amount to be charged to the customer for delay in payment considered riba?