Think carefully about this one. Checks drawn by
an account holder with insufficient funds to
cover the checks are not forgeries because:

A. while they are false documents, the person's
intent to defraud is missing.

B. when the intent to defraud is present the
checks are false documents.

C. the person only has an intent to defraud, not
to permanently deprive.

D. they are not false documents and the person
may lack the intent to defraud.