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Negotiable Instruments Article Review Essay Preview: Negotiable Instruments Article Review Report this essay ARTICLE REVIEW UNIVERSITY OF PHOENIX DATE: November 26, 2007 TO: Garth Ferrell FROM: ***** ***** RE: Client Alert: Check 21 – A Catalyst For Innovation Anthony, B (2004). Client Alert: Check 21 – A Catalyst For Innovation. Retrieved on November 25, 2007.