40. Collection float includes the following: Dollar-day Check processing float Availability float b and c all of the above (i.e. a b and c) 41. The main benefits associated with a well-designed concentration system include: greater control over balances economies of scale the absence of dual balances a and b b and c 42. A centralized disbursement system results in: Efficiency Control cost savings all of the above none of the above 43. An insurance company wishing to maintain control over field disbursements would be a prime candidate for the use of checks vouchers ACH debits drafts 44. Which of the following payment methods is usually more appropriate for non-recurring payments to individuals? draft check a and b are equally appropriate electronic funds transfer 45. Who originates an ACH debit? An ACH credit? the payor, the payee the payor, the payor the payee, the payor the payee, the payee none of the above are correct