Problem:
You are a FBI agent who tracks terrorist financing. Your specialty is non electronic transfer of funds. At the moment you are handling a case that began with the intercepting of three men at New York's JFK airport. The men were seated in the same row dollar below the reporting limit for taking funds into or out of the United States. Let's review a few concepts before you make a decision about this scene. Is sending money by human courier an example of an informal value transfer system (IVTS)?
A. yes because there need not be any paperwork involved
B no because devices like phones and email are still used to confirm delivery
C Yes because human couriers do not sign contracts about their work
D No because money is physically transferred