THE LEGAL ENVIRONMENT DIMENSION
As a practical matter, does it make sense for the customer to bear primary responsibility for discovering instances of fraud? Which party is in a better position to detect any irregularities? Why?
THE SOCIAL DIMENSION
What reasonable steps could MBP have taken to have prevented its loss?

Michigan Basic Property Insurance Association (MBP) issued a check from its account with Fifth Third Bank to Joyce Washington, Countrywide Home Loans, and T & C Federal Credit Union as co- payees. Shortly afterward, Washington indorsed the check herself by signing all three payees’ names. When the check reached Fifth Third, it notified MBP of the payment through a daily account statement. MBP did not object,