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Resistance to change usually results from organizational factors: such as the absence of promotion guidelines, bonuses, and praise.
Indorsement
A signature or instruction written on the back of a negotiable instrument, such as a check, which specifies the terms of transfer.
Forged Check
A check that has been illegally modified or fabricated entirety by someone other than the account holder, intended to deceive and facilitate unauthorized transactions.
Liable
Legally responsible or answerable for an action or event, potentially subject to legal obligations or compensations.
Certificate of Deposit
A savings certificate with a fixed maturity date and specified fixed interest rate, often issued by banks.
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