Cynthia negotiates an instrument to Helena who promises to pay its face value as soon as her income tax refund comes in. Helena acquires the status of an HDC when she

	a.	agrees with Cynthia to buy the negotiable instrument.
	b.	transfers the instrument to Joseph for value and in good faith.
	c.	meets Cynthia at the bank to discuss the deal in person.
	d.	pays the face value due on the instrument.