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Checks and other drafts collected through the banking system usually have all of the following parties EXCEPT:
Goof-off Phenomenon
The tendency to reduce effort and productivity in group settings due to the perceived diffusion of personal responsibility.
Social Facilitation
The tendency for people to perform differently when in the presence of others compared to when alone, typically showing an improvement in performance on simple or well-rehearsed tasks.
Sadistic
Characterized by deriving pleasure through inflicting pain, suffering, or humiliation on others.
Social Roles
Socially defined behaviors considered appropriate for individuals occupying certain positions within a given group.
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