36 Which of the following is true of the median income test? O if a family has median family income equal to the state's median family income, the debtor does not qualify for a Chapter 7 bankruptcy. OA debtor's debts are not discharged'f the family median income is more than the state's median family income. OIf a family has median family income below the state's median family income, the debtor is subject to the "means" test O if a family has median family income below the state's median family income, the debtor automatically qualifies for a Chapter 7 bankruptcy. QUESTION 37 What is the right to cure in sales or lease contracts? O The right of the buyer to reject shipment of conforming goods. O The right of the seller to ship nonconforming goods on grounds of prior acceptance. The right of the seller to fix nonconforming goods O The right of the buyer to ask for a replacement of nonconforming goods QUESTION 38 Which of the following must a promissory note contain to make it negotiable? O an implied promise to pay O an unconditional promise to pay O an acknowledgement of debt O a promise to negotiate QUESTION 39 Awarranty in which the seller warrants that he or she has valid title to the goods he or she is selling and that the transfer of title is rightful is known as a warranty. O of no security interests O against infringements O of no interference Oof good title QUESTION 40 Which of the following is implied when a bank certifies a check? O The bank withholds payment on the check until the drawer authorizes payment O The bank cashes the check only if the holder himself presents it for payment O The bank agrees to accept the check when it is presented for payment O The bank holds the check as guarantee for repayment of a loan taken by a customer