What is the meaning of "Crossing a cheque"? What does this crossing signify? Who can 2+3+2=7 cancel the crossing?

A cheque bears a cross across its face an addition of the word "and Companies"; again a cheque crossed generally bears across its face an addition of the words "account payee". What is the difference between these two cheques according to NI Act, 1881?

Can a bank issue demand draft payable to a bearer? A demand draft issued by you on one of your branches is lost before it reaches to the recipient. As a banker what steps will you follow when the purchaser of the draft demands his money back?