On a sheet of paper, elle writes, without her signature, "i acknowledge that i owe frank $600, payable out of the proceeds of the sale of my car, a 2005 honda civic, which i promise to advertise ‘for sale’ next week. payment is to be made on or before six months from today." what type of instrument is this? is it negotiable? if not, why not? be sure to list all elements required for a note to be negotiable.

(a) when insurance is obtained through a reciprocal insurer, the insureds are sharing the risk of loss with other subscribers of that reciprocal.

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