Janice gives Chandler a promissory note made out in her favor, signed by Joey for $1,000. When the note comes due, Joey asserts a personal defense to avoid liability on the note. Chandler isn't a holder in due course and thus doesn't benefit from the protections afforded a holder in due course, because Chandler 

A. should have known a defense existed to the note. 

B. didn't take the note in good faith.

 C. should have known the note would be dishonored.

 D. didn't take the note for value.