Oh! Hi, Grandpa. Yes, of course, I am, but my mind isn't.
噢, 嗨, 爷爷。是的, 当然, 我准备好了, 但是有点心事。
and there is a very firm rule that the bank has no right or authority to pay out a customer's money on a cheque on which its customer's signature has been forged.
银行没有任何权利或理由把储户的钱让伪造储户签名的支票取走。