Robinson had purchased a certificate of deposit ( CD) from a bank and had the instrument made payable to him. On its face, the instrument stipulated that if Robinson was deceased at the time the instrument was to be paid, that payment should be made to his stepdaughter, Wygant ( payee). Before the note was due, Robinson remarried and changed the name of the payee from Wygant to that of his new wife. When Robinson died, Wygant claimed the proceeds from the CD. Her contention was that the CD was a negotiable instrument that required her to sign it before it could be transferred to Robinson’s new wife. Was Wygant correct?