HON 18 1 points Save Answer True or False: A note that states "the promise to pay is in accord with our agreement of 8/15/2019," cannot be negotiable because it refers to a document "outside the instrument. O True O False QUESTION 19 1 points Save Answer Tom is the holder of a $200 check that is payable to "bearer." He asks his friend Cathy to cash it for him, i.e., to give him $200 in cash in exchange for the check. She says she will, but only if he endorses it "Pay to Cathy, (signed) Tom." True or False: The endorsement converts the check into "order paper" for Cathy, which is safer. O True O False 1 points Save Answer QUESTION 20 True or False: The following item, by itself, would violate a negotiability test: The instrument is made payable to "bearer" and does not include a named payee. O True O False QUESTION 21 1 points Save Answer True or False: An endorsement is "special" if it names the next holder, e.g., "pay to Ellen, (signed) Gary." O True False