Ryan is the CFO and signs checks for Southland Sugar Co. ("Southland") Ryan signs a check payable to Hawaiian Sugar Inc. ("Hawaiian"), even though Southland owes nothing to Hawaiian. Ryan holds onto the check, indorses it, and cashes it at Western Savings Bank, the drawee on the check. What exception puts the burden of the loss on Southland and will prevent Southland from recovering the loss from Western?

(answer just a simple word )