Sikonen gave his check for $5 to Rivera, but in so doing he neglected to fill in the customary wavy line following the amount in the words. Rivera endorsed the check to Montana, who easily increased the amount to $500 and then presented the check to Sikonen’s bank for payment. a. Will Sikonen be required to bear the loss because of his negligence in writing the check? b. Will Rivera have to bear the loss because of his negligence in endorsing a check that could be so easily altered? c. Will the bank be required to bear the $495 loss for cashing an altered check?