19. According to Kohn, checks are an example of (p. 202) A. commodity money B. fiat money C. bank dollars (bank IOUs that can be used as money) D. digital money 20. Assume that you write a check to Evergy for your electric bill. You have a checking account at United Missouri Bank, while Evergy has a checking account at Commerce Bank. If Evergy uses the "direct" method described by Kohn at the bottom of p. 202 to get its moncy, it will A. send a messenger to United Missouri Bank to present the check for immediate payment in cash B. send a messenger to Commerce Bank to present the check for immediate payment in cash C. deposit your check in its account at Commerce Bank after endorsing it D. deposit your check in its account at Commerce Bank, making sure not to endorse it 21. If Evergy gets its money in the more usual way described by Kohn on p. 203, it will A. send a messenger to United Missouri Bank to present the check for immediate payment in cash B. send a messenger to Commeree Bank to present the check for immediate payment in cash C. deposit your chock in its account at Commerce Bank after endorsing it D. deposit your check in its account at Commerce Bank, making sure not to endorse it