storyboard ..theme: Hidden intricaces behind cheque (check) clearance and 
                     cheque (check) collection!!


 understand : cheque (check) endorsement , cheque (check) discounting 
              procedures and practices.


 Demystify : many a time this author finds that when visiting banks for
             collection of cash in person ..

             the duty clerks ....quimmering ....the signature isn't or
             doesn't tally!! ...while it's sound geniune ...i find it many
             a time ...being forced to ...sign it over at the back of leaflet
             ....on the pretext of signature verification ....usually in standard
             norms what amounts to is called cheque endorsement ...viz. authorizing
             a individual to collect cash on one's behalf??


             given that in standard lingo or norms ...of a cheque clearance practices
             any cross-overs or overwriting need to signed across at the same place

             then why not signit over on the face of the leafelet itself ??


             any hidden objectives ?? agendas??
                

