Abby Novel signed a handwritten note that read, "Glen Gallwitz 1-8-2002 loaned me $5,000 at six percent interest a total of $10,000." The note did not state a time for repayment. Abby used the funds to manufacture and market a patented jewelry display design. More than three years after Abby signed the note, Glen filed a suit to recover the stated amount. Abby claimed that she did not have to pay because the note was not negotiable, as it was incomplete. Is Abby correct?