1. The functions of a negotiable instrument include servicing as a; A.record keeping device B.substitute for money C. credit device D. all of the above 2. Once a judgment is obtain it may be satisfied by: A. placing a lien on the debtors real property B. garnishing the doctors wages C all of the above 3. A two party instrument is used in the real property is the collateral is: A. deed of trust B. mortgage C. statutory lien D. land contract 4. under the fair credit and charge card disclosure act the creditor must disclose: A:the APR rate B:the membership fee C: minimum of fixed finance charge D.all of the above