Can you decipher the following common phrase?

T M C
A U O
H S M
W T E

You are driving down the road in your car on a wild, stormy night, when you pass by a bus stop and you see three people waiting for the bus

An old lady looks as if she is about to die.
An old friend who once saved your life.
The perfect partner you have been dreaming about.
Knowing that there can only be one passenger in your car, whom would you choose?

There is something which is always coming but never arrives?

He digs out tiny caves and stores gold and silver in them. He also built bridges of silver and made crowns of gold. They are the smallest you could imagine. Sooner or later everybody needs his help, yet many people are afraid to let him help them. Who is he?

Why is the Hole below a Lock?

A devotee visits 9 temples when he visits India. All these nine temples have one thing in common - there are 100 steps in every temple. The devotee puts the Re.1 coin after climbing up every step. He does the same while climbing down every step. At each temple, the devotee offers half of his money from his pocket to god. In this way, his pocket becomes empty after he visits the 9th temple.

Can you calculate the total amount he had initially?

I am never scared but became petrified and can’t live in a house but would die to make one. What am I?

If nine thousand, nine hundred nine dollars is written as $9,909,
how should twelve thousand, twelve hundred twelve dollars be written?

A cricket has 6 legs, a squirrel has 4 legs and a spider has 8 legs.

In a local zoo, it was found that the total number of legs is 612. Also, there are equal number of each of the above animals/insects.

Can you find out how many animals are there in the zoo?

Find a 9-digit number, which you will gradually round off starting with units, then tenth, hundred etc., until you get to the last numeral, which you do not round off. The rounding alternates (up, down, up ...). After rounding off 8 times, the final number is 500000000. The original number is commensurable by 6 and 7, all the numbers from 1 to 9 are used, and after rounding four times the sum of the not-rounded numerals equals 24.