In Chapter 28 of the textbook, you read about liability and negotiable instruments. In this journal, you will synthesize this chapter with the video "Cyber Challenge Vignette Two" as you reflect upon the customer's situation.

Approach these journals as (a) an opportunity to reflect upon and apply what you learn each week based on the assigned readings, discussions, and activities, and (b) an opportunity to share your knowledge and expertise based on your educational and professional experiences in the past. As a successful professional, you will need good reflective and writing skills. Journal activities offer you the opportunity to further develop these skills.

This journal is private between students and instructor.

In Module Four, you watched a scenario of a customer who experienced problematic withdrawals to their business bank account. In this journal, you will reflect upon issues that arise in liability as it applies to this case.

Specifically, you will discuss:

• Why does the bank customer believe that the bank will refund them missing money?
• Based on the readings and the facts presented in the scenario, what arguments can the bank raise to legally refuse a refund of the money?