Cody signs an instrument promising to pay Randy for his help recording an album two years from the date the instrument was signed. The instrument states Cody will pay Randy by handing over his prized silver electric guitar. This instrument is non-negotiable because it does not contain a/an Steve is an oilman from West Texas. Due to market factors beyond his control he finds himself unable to pay his substantial debts. With his last $1 million in cash he decides to pay off all of his debts to one of his many creditors, the First National Bank of Odessa, because his brother is the bank's president. This payment is a/. and can be likely be avoided by the trustee of Steve's bankruptcy estate