FACTS: Zenda bought a car from Kali Car Dealer for $21,000, paying $500 in cash and giving a promissory note for $20,500. Kali sells the promissory note to Dresdan Investments for $15,000 cash and endorses it to Dresdan as follows: "Pay to the order of Dresdan, without recourse. Signed, Kali Car Dealer." Kali informs Zenda that the note has been negotiated to Dresdan and Zenda makes 2 payments totaling $600 to Dresdan. Dresdan then sells the note to Marta. After 2 more payments Zenda loses her job and makes no more payments on the