On Friday morning, Geoff deposits into his account at Heartland Bank a $500 check from Imelda, who also has an account at Heartland. On that same day, this check is considered

a. a provisional credit.

b. paid.

c. cashiered.

d. certified.

Brady forges Cals signature on a check payable to the order of Brady drawn on Cals account in Downtown Bank. Cals forged signature is

a. effective to the extent that the bank debits Cals account.

b. not effective.

c. effective to the degree that it matches Cals genuine signature.

d. effective if an innocent third party accepts the check.