Can you decipher the following common phrase?

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

Can you replace the question mark with the correct number in the below table sequence?

If you had an infinite supply of water and 5-quart and 3-quart pails, how would you measure exactly 4 quarts? What is the least number of steps you need?

You are given four results as below:
1111 = F
2222 = E
3333 = T
Then, can you find out how to code 4444?

The richest man in the city Mr Rechard is kidnapped. James Bond is appointed to the case. At the crime scene, a note is found written by Mr Richard. The note read:

"First of January, Fourth of October, Fifth of March, Third of June."

James Bond knew that somehow, the killer's name was hidden in the note. The following were the suspects:

Jack Richard, the son and the heir of property.
John Jacobson, the employee of Richard.
June Richard, the wife of Richard.

James Bond took only a few moments to deduce the killer's name. Can you tell who was the killer?

What has many teeth, but cannot bite?

A man fell off a smuggling boat into deep water. He could not swim and he was not wearing anything to keep him afloat. It took 30 minutes for the people on the boat to realize someone was missing. The missing man was rescued two hours later on the return trip. Why didn't he drown? Note:- He didn't know swimming, the sea was deep, and He wasn't holding anything

By moving exactly three matchsticks can you make the below equation true.It can be solved by 3 ways.

I am a type of food that is often found in the fridge and can be white in colour. What I am?
Hint 1: I am a dairy product.
Hint 2: You can spread me on the bread.

A Miser man decided to go on a vacation for a month. He goes to the bank and asks for a trip loan of $500. The bank officer asks the man that the loan can only be approved when he mortgage some valuable thing at the bank. Miser man mortgages his only car whose worth was a whopping $80000. The Bank officer laughed at him and approve the loan instantly. After vacation when the miser man returns, the bank officer asked him "Are you an idiot, why is your mortgage such an expensive car for such a short loan?".

Miser man replied with some reason and the bank officer agreed that the miser man is actually not an idiot.

What did miser man reply to the bank loan officer?.