Bearer Instruments

Adam's checks are printed with the words Pay to the order of followed by a blank. Adam fills in an amount on one of the checks and signs it, but he does not write anything in the blank following the Pay to the order of language. Adam gives this check to Beth. On another check, Adam writes in the blank Carl or bearer. Which, if either, of these checks is a bearer instrument, and why? (See Requirements for Negotiability)

Answer this using the IRAC writing Format

I-Describe the issue at hand (the question being asked)

R-Describe the rule that is applicable in this situation

A-Apply the rule to the facts of yor situation

C-Draw a conclusion