Muong is about to graduate from high school. he plans to attend community college in the fall. to him with some of his expenses, many of his relatives are giving him cash as a graduation present. his great aunt, however, gives him a check for $200. since muong does not yet have a checking account he will give the check to his mother, fay, to cash. he turns the check over on the back, signs his name; immediately under his signature he writes, "pay to the order of fay nguyen." this type of check is known as a(n)