Drawer issues a check to the order of Payee for $5,000. Forger steals the check from payee, forges payees name on the check, and sells the check to Jane, who deposits it in her account with Depositary Bank. The check proceeds through the bank collection pro- cess, where it is ultimately paid by drawee. Because the check was stolen, payee was not paid.

a. Will Depositary Bank now be able to recover from Jane? Why? b. Can Jane now recover from Forger? Why?