11) Notes payable (2pts) are promissory involve debt to many creditors. are secured by real property. All of these choices. O 12) Mortgages payable (2pts) are usually paid in monthly installments have payments that include both interest on the debt and reduction in the debt are secured by real property All of these choices 13) are liabilities that arise from a contract that requires a company to make payments employees after they retire. Deferred income taxes Other post-retirement benefits Capital leases Pensions