Bolton wrote a check for $20,000 to his daughter, Joyce, intending to make a gift. The check was drawn on the State Bank of Wapello and mailed to Joyce in Maryland, where she was living. Joyce received the check, indorsed it, and mailed it to her bank in Baltimore with instructions to use it to establish a certificate of deposit in joint tenancy with her father. Was Joyce a holder in due course of the check? Explain. Matter of Estate of Bolton, 444 N.W.2d 482 (IA).