You can change the default Character Encoding in Notepad from UTF-8 to ANSI, UTF-16 LE, UTF-16 BE, UTF-8 BOM. using Registry Editor.

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A factor is a financial intermediary that purchases receivables from a company. It agrees to pay the invoice, less a discount for commission and fees.

The magnetic ink character recognition (MICR) line is the strip of characters on a check that identifies the account, routing, and check number.