former - the previous person , formal - official , fortune - wealth , free will - nor forced to do something, hardware - machinery, equipment , headquarters - main offices , hold up - delay , idiom - a sentence meaning something else than its literal words, incident - event, happening, occurrence, loan - money borrowed , for the sake of - for the good or benefit of , membership - to belong to a club or organization, offense - to cause displeasure, pace - speed of progress / moving ahead, quarrel (v) - to fight, to argue, to disagree, reservation - to hold place for someone, to shelter (v) - to protect ,

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