DQ 1: Electronic Payment Systems: What are the differences, and the benefits and the risks, of payment systems that are designed for cyberspace? Which requirements of negotiability seem unnecessary for an online transaction? Is there any part of the HDC (holder in due course) concept that would need to be changed to adapt it to an electronic payment system? DQ2: Electronic Transactions: Should only banks and regulated financial institutions be allowed to issue ATM cards? Why or why not? How else might the government regulate digital funds to reduce the potential for cyber laundering? Is private electronic "cash" legal? To what extent should private authorities be liable when a fraud is perpetrated in the context of an electronic transfer of funds via the Internet? Is the current law sufficient in this regard? If not, what changes need to be made? DQ3: Chapter 11 Reorganization: What can a small business do to prepare for a Chapter 11 reorganization? DQ4: The Independent Contractor: How can an employer use an independent contractor? Why would an employer use an independent contractor? Share stories that you may be familiar with.

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