The IRD contains images of the front and back of the original check, including signature(s), the memo line, any endorsements and additional printed information added during the clearing process.

The image replacement documents (IRD) will also allow banks to transmit check images electronically, eliminating the need to ship paper checks around the country for clearance and settlement.

Bird photography these days has gotten so much easier thanks to scene detection in cameras that can find birds pretty easily.

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