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Explain the difference between economic efficiency and economic equity as principles that justify government regulation of the economy.
HDCs
Stands for Holders in Due Course, referring to parties holding a negotiable instrument free from certain defenses and claims.
Drawer
In banking, the person who writes or creates a check. In the context of furniture, it is a sliding storage compartment.
Universal Defense
A defense that is valid against all holders of a negotiable instrument, including holders in due course (HDCs) and holders with the rights of HDCs. Universal defenses are also called real defenses.
Personal Defense
Legal defenses that a defendant may use in a court of law to challenge the validity of a claim based on personal circumstances or conditions.
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