Since checks are a form of bill of exchange, the general rules regarding indorsements are the same. It should be borne in mind that checks indorsed in blank (the holder's name, and nothing else, being written on the back of the check) are for all practical purposes payable to bearer. Indorsements should be written across the back of a check and not lengthwise. One should take care not to indorse a check in blank until just before he presents it to the bank for payment, because if the check should be lost, when indorsed in blank, the finder may cash it (receive the money on it) at the bank. Checks should be indorsed exactly as they are drawn. Thus, if a check is made payable to John R. Blair, it should not be indorsed J. R. Blair or John Blair, or in any way except John R. Blair, and if the name is wrong or spelled wrong, then the payee should indorse with the name as it is written on the face of the check, and put the correct name or spelling underneath that indorsement. Checks that are irregularly indorsed should not be cashed. Bank indorsement stamps are either "general" or "direct." In the straight or direct indorsement a definite payee is named. The general indorsement bears the words "Pay to the Order of any Bank or Banker." The use of the latter form of stamp makes it possible to indorse all checks alike and very rapidly, thus enabling the bank to handle and assort great numbers of checks at a minimum of time and labor.