rack (one's) brain 知恵を絞って考える Idiom: rack (one's) brain (会話)To think long and hard: eg. I racked my brain for hours trying to recall her name.

opt out 抜ける Phrasal Verb: opt out [俗語]To choose not to participate in something: quote) “give individual schools the right to opt out of the local educational authority” Newsweek

health care insurance 和訳： 健康保険

marshmallow マシュマロ 卑怯者 marsh・mal・low 名詞 st often marsh mallow -------- [俗語]A timid, cowardly, or ineffective person.