39. A maker and a drawer of a negotiable instrument mean the same thing - T F 40. A check is not a negotiable instrument - T F 41. Negotiation and negotiability mean the same thing - T F 42. Taking a check to a bank for deposit is called Negotiability - T F 43. Commercial paper(s) are generally documents used to facility a transfer of money or credit - T F 44. A holder in a person who possesses a negotiable instrument issued, drawn, or indorsed to that person or his/her order or to bearer - T F 45. The law of negotiable instruments was developed during the U.S. Civil War - T F 46. A negotiable instrument does not have to be signed - T F 47. The amount of money referenced in a negotiable instrument does not have to fixed - T F