36. Joan carefully completes and signs a $1000 note payable to Pete. Pete skillfully changes the amount of the note to $10,000, and negotiates it to Hilda for that amount. Hilda qualifies as a holder in due course. When Hilda presents the altered note to Joan for payment, Joan refuses to pay a penny more than $1000. Which of the following is true? A. Joan is not liable to Hilda. B. Joan is liable to Hilda for $1,000. C. Joan is liable to Hilda for $10,000. D. Joan's liability to Hilda will be determined by the relative negligence of Joan and Hilda