In the U.S. check system of the late 1800s and early 1900s, non-par banking was possible because the law said that checks had to be paid in full only if presented ____. After its founding in 1913, the Federal Reserve tried to____the practice. Group of answer choices

in person by the payee or endorsee; end

by a bank in the same town or city; spread

in person by the payee or endorsee; spread

by a bank in the same town or city; end