Is a woman`s neck an Awrah (private part)?
All Perfect Praise is due to The Lord of The Worlds.
It is an Awrah, and it is forbidden for her to reveal it before non-Mahrams (Marriageable men). And Allah Knows Best.
What is the ruling on smoking?
All Perfect Praise is due to Allah, The Lord of The Worlds
Smoking is forbidden (Haram) since it is harmful to one`s health as confirmed by trustful physicians, and Islam has forbidden taking anything that causes harm. The Prophet (PBUH) said: "There should be neither harm nor reciprocated harm." [Ibn Majah and Ahmad]. And Allah Knows Best.
What is the ruling on a person who broke the fast a day in Ramadan due to hardship?
He/she is obliged to make up that day.
Is the Central Bank of Jordan considered of the Commercial Banks?
Yes, since the Central Bank involves with usury.