Myron Effriham is out of money. However, he will be paid in two days. Myron knows that he can cash a personal check with his employer at any time. He also has figured out that if he folds the check he’s about to write many times and wets the crease over the electronic coding, the automatic check-routing machines will kick it out to be handled manually. Manual handling will cause at least another day’s delay before the check gets to his bank. Therefore, he could cash a check late today and, in effect, use his employer’s money to live on until payday. Is this ethical? Would anyone be injured by Myron’s action? Is it illegal?