Question 1:The complexity of the financial and banking system is a bit staggering. What might be done to simplify the system for consumers?

Question 2:The practice of floating provides an opportunity to "borrow" interest-free by cashing a check for which there are inadequate funds on deposit. If he check writer makes a deposit to cover the check in time to avoid a "bounced check" charge, is this practice ethical? Why or why not?

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Question 1:If all other requirements of a negotiable instrument have been met except delivery, should payment depend on delivery? Why or why not?

Question 2:Is it ethical for direct marketers to include a document that resembles a check made payable to the addressee, when closer examination reveals certain conditions such as "good only toward the purchase of . . . ? Why or why not?