On September 5, Wanda, a widow who occasionally teaches piano and organ in her home, purchased an electric organ from Murphy’s music store for $4,800, trading in her old organ for

$1,200 and promising in writing to pay the balance at $120 per month and granting to Murphy a security interest in the property in terms consistent with and incorporating provisions of the UCC. A financing statement covering the transaction was also properly filled out and signed, and Murphy properly filed it. After Wanda failed to make the December or January payments, Murphy went to her home to collect the payments or take the organ. Finding no one home and the door unlocked, he went in and took the organ. Two hours later, Tia, a third party and the present occupant of the house, who had purchased the organ for her own use, stormed into Murphy’s store, demanding the return of the organ. She showed Murphy a bill of sale from Wanda to her, dated December 15, that listed the organ and other furnishings in the house.

a. What are the rights of Murphy, Tia, and Wanda?

b. Would your answer change if Murphy had not filed a financing statement? Why or why not?

c. Would your answer change if the organ had been used principally to give lessons? Explain.