Payable on demand or at a definite time abby novel signed a handwritten note that read, "glen gallwitz 1–8–2002 loaned me $5,000 at six percent interest a total of $10,000." the note did not state a time for repayment. abby used the funds to manufacture and market a patented jewelry display design. more than three years after abby signed the note, glen filed a suit to recover the stated amount. abby claimed that she did not have to pay because the note was not negotiable, as it was incomplete. is abby correct