mr david drew a cheque of $65000 against express bank plc in favour of Mr Sam as a birthday gift. the cheque was stolen by Johnson Crook who used the cheque on forged endorsement to buy a moblie phone from Madam Mary. Madam Mary in turn endorsed the cheque to her landlord in settlement of her shop's rent. Her landlord, Mr Daniel paid the cheque into his account for clearing. on presentation of the cheque to the payee bank, it was returned unpaid, the cheque having been countermanded by the drawer. (a)Justify the action of express bank plc in returning the cheque unpaid (b) what rights have mr Daniel if the cheque is negotiable and if the cheque was crossed not negotiable (c) would the cheque have been crossed specially; what would have been the effects of such crossing ​