37. The objective of Check 21 was to encourage greater use of in check processing. (BLJ. p. 32; Kindle, 572-586) (Ch. 3, Phase Three: Imaging) A. electronic check images B. paper checks C. check sorting machines D. the ACH system 38. The way Check 21 achieved the objective in the previous question was to (BIL, P. 32; Kindle, 593) (Ch. 3, Phase Three: Imaging) A. allow payees to convert checks to ACH debits B. prohibit use of paper checks C. require the payer's bank to accept an electronie image of the check D. require the payer's bank to accept a printed copy of the original check 39. Check 21 had which of the following effects on check payments? (BLJ, pp. 32, 36; Kindle, 586593,666 ). (Ch. 6, Phase Two: Imaging; Image Clearing, Image Clearing-the Future, Box on The Image of Image Clearing) 1. Increased the share of payments made by check, 2. Reduced the average time required to clear check payments. 3. Largely eliminated the expense of transporting paper checks. 4. Decreased vulnerability of payments system to terrorist attacks such as 9/11. A. 1,3 , and 4 B. 2,3 , and 4 C. 1,2 , and 3 D. 1,2 , and 4