Write a short essay, between 400 and 500 words, responding to the discussion question below. You are expected to utilize the textbook and outside resources to provide accurate and substantive

Write a short essay, between 400 and 500 words, responding to the discussion question below. You are expected to utilize the textbook and outside resources to provide accurate and substantive answers to the question. Also, be sure to make use of illustrating examples where appropriate. Submit your work in APA format. On the back of an envelope, Phoebe writes, “I promise to pay Quint or bearer $600 on demand. [Signed] Phoebe.” type of instrument is this? Is it negotiable? If not, why not?