Zakaat on retirement pension

Q: If a pension is released to an employee at the time of retirement and according to statutory law you can only cash in 1/3 of it, while the remaining 2/3 has to be re-invested in a similar fund (money never coming into your hands of the retiree) directly being re-invested on behalf of the retiree to receive a monthly pension from the investment. What are the zakaat implications on the following:

1. Is zakaat payable on the 1/3, if the retiree opt to take the 1/3?

2. Is zakaat payable on the 1/3 if the retiree opt NOT to take the 1/3?

3. Is zakaat payable on the remaining portion of the reinvested amount?

4. Is zakaat payable on the monthly income derived from the re-invested amount?

Is maintaining a friendship after taking a loan interest?

Q: A person agreed with another person to lend some money and in exchange they will continue their friendship relationship. They have been friends for a year now and in order to continue the other person has agreed to lend money. Assuming if the borrower of the loan is willing to continue the relationship in exchange of a loan. Then friendship or continuation of relationship considered to be a benefit/interest in this scenario?

Irregular bleeding after IUCD

Q: I got a procedure of IUCD for contraception on July 1, 2019. It was important as per doctors instruction due to some medicines with which I cannot conceive at the moment. The gynaecologist said that in the start I will face some extra/heavy bleeding or irregular spotting due to this.

My previous routine of periods was 8 days except for Ramadhaan i.e. 9 days. My old dates for 2019 were

17 Jan - 25 Jan
12 Feb - 20 Feb
11 March - 19 March
7 April - 15 April
2 May - 11 May
30 May - 7 June
Important one (25 June - 5 July)

My questions are:

1. I took a bath after 10 days completion in my last cycle i.e 25 June to 5 July due to spotting as maximum days for periods are 10 days but still I got spotting for 3 more days. I offered my salaah and Quran. Was this calculation ok?

2. I started spotting again on 16 July but as per my last cycle, there wasn't a gap of 15 days in between two cycles. I am still having light spotting plus bleeding. I am offering salaah and Quraan with fresh wudhu everytime. Am I correct?

3. If in the last cycle I consider it to be 8 days then 25 June - 3 July then after 18 days of habit I must be having periods on 21 July, so what should I do? How would I calculate that either its istihaaza or periods?