Shankar purchased a used car from Friendly Fred's Autos, a sole proprietorship owned and operated by Fred Salazar. Shankar wrote a check for the purchase price of the car made payable to Fred Salazar, d/b/a Friendly Fred's Autos, and Fred indorsed the check to Maya for value. Maya presented the check to the bank, and the bank cashed the check. Later, Shankar attempted to place a stop-payment order on the check because the car he purchased from Fred was defective. Under these circumstances, ________blank. Multiple Choice Maya must return the funds to the bank Shankar would not be able to have his account recredited Shankar can prove that he has sustained a loss the bank is liable to Shankar for paying the amount of the check to Maya