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accident accompanying text administrative costs allocation of losses Anal argues bargaining Bills of Exchange Calabresi change of position Chapter Chicago School Common Law Restitution contract contributory negligence COOTER & ULEN courts discussion Dow and Ellis drawee EAL4 ECON economic analysis efficiency hypothesis efficient rules evolutionary theories forged drawer's signatures forged indorsements forgery losses group theory Guido Calabresi hereinafter incentives inefficient injurer interest group theory judges judicial Landes and Posner law and economics least cost avoider liability rules litigation Loss Allocation MERCURO & MEDEMA Nat'l Bank National Westminster Bank negotiable instruments note 46 parties perspective presenter as victim Price doctrine problem product liability rationale repeat player Restitution of Payments result risk rules of liability scholars associated Shavell shift simple strict liability STRUCTURE TORT suggested supra note 20 Survival of Common tort law transaction costs Uniform Commercial Code warranty WHITE & SUMMERS