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To answer the first question, the decision is up to the employer and the policy of the employer, not ad hoc.
The second question, no, a personal day is not considered time worked for the purpose of calculating overtime, but could be treated as time in lieu for the sake of payroll adjustments. For example, if an employee took Tuesday as a paid personal day, but then picked up a shift on Saturday, that employee would need to be given back the personal day, or fraction thereof, for their bank.