This relatively bight-line course teaches practical tools common to virtually all areas of expertise and often tested on bar exams; it results in skills immediately useful in practice. The focus is on negotiable instruments (UCC Art. 3), which also provides a framework for the practitioner's understanding of such recent law as electronic funds transfers and credit card transactions. The other major emphasis is check collection (UCC Art. 4). Letters of credit (UCC Art. 5) round out the coverage with a quite different payment mechanism utilized in transactions ranging from international services to domestic land. Suretyship and agency law, subjects common to every practice, are also given substantial attention.