Sam Smith owed Adele Alberts some money. He wrote out the above promissory note. Discuss the elements of negotiability and whether each one has been met. Then declare whether the note is negotiable. *For all the discussion forums you must be citing to your textbook. You must have a pinpoint citation for full credit. For a hard copy of the textbook you should use: (Twomey, pg. 123). For a digital copy of the textbook you should use: (Twomey, sec.21-1c). Keep in mind that failing to cite sources (your textbook or any outside resources) is plagiarism.