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If you and your friends are still looking for a job eighteen months after graduation, even after lowering your wage expectations, you are probably in the _________ phase of the business cycle.
Forged Drawer's Signature
A fraudulent signature applied to a negotiable instrument, such as a check, by someone other than the account holder, intended to deceive the bank or recipient.
Forged Check
A check that has been illegally modified or created to defraud, including altering the amount, making or endorsing without authorization.
Electronic Funds Transfer System
A system that allows the transfer of money between accounts via electronic signals or computer networks, without the need for physical exchange of money.
Wire Transfers
Electronic methods of moving funds from one bank account to another, either within the same institution or across different institutions.
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