Abby Novel signed a handwritten note that read, “Glen Gallwitz 1-8-2002 loaned me $5,000 at 6 percent interest a total of $10,000.00.” The note did not state a time for repayment. Novel used the funds to manufacture and market a patented jewelry display design. More than seven years after Novel signed the note, Gallwitz filed a suit to recover the stated amount. Novel claimed that she did not have to pay because the note was not negotiable— it was incomplete. Is she correct? Explain. [Gallwitz v. Novel, 2011 -Ohio- 297 (5 Dist. 2011)] (See Requirements for Negotiability.)