Injuria-sine-damnum refers to a legal wrong (injuria) committed without any actual damage (damnum) suffered by the plaintiff. In this case, Ms. F has not suffered any financial loss due to Ms. J’s refusal to honor the cheque. Volenti-non-fit-injuria means ”to one who volunteers, no injury is done.” It applies when a person willingly consents to a risk and cannot later claim damages. Damnum-sine-injuria means ”damage without injury.” It refers to a situation where someone suffers a loss but no legal right has been violated. Res-ipsa-loquitur is a legal doctrine that infers negligence from the mere fact that an accident occurred.Therefore, the correct answer is (B) Injuria-sine-damnum.