Able and Baker contract to buy two race horses from ABC Breeders. They sign a separate contract for each horse and two notes, one for $$20,000$ and the other for $$25,000.$ Each note refers to its related contract, a schedule of payments, and a security agreement providing for an interest in the race horse to secure payment. After a year, Able and Baker stop paying. ABC Breeders sues Able and Baker for payment and Able and Baker argue that the notes are nonegotiable because they refer to and were governed by other writings, i$.$e$.$ the contracts.

A$.$ Will Able and Baker win? Why or why not? What case is relevant according to the text?

B$.$ What if the note was made payable to $$X$.$ Would it still be negotiable?