Xavier is paid with a check drawn on Pete’s account at First State Bank. The check has a forged drawer’s signature. Xavier indorses the check to Eve, who takes it in good faith and for value, and cashes it at the bank. When Pete discovers the forgery, he notifies the bank, which recredits his account. The bank can recover the amount of its loss from Eve

a. only if she has a bank account at any bank.

b. only if she has an account at First State Bank.

c. under any circumstances.

d. under no circumstances.