Marion makes a promissory note pay- able to the order of Perry. Perry indorses the note by writ- ing "without recourse, Perry" and transfers the note for value to Steven. Steven, in need of cash, negotiates the note to Harriet by indorsing it with the words "Pay to Harriet, [signed] Steven." On the due date, Harriet presents the note to Marion for payment, only to learn that Marion has filed for bankruptcy and will have all debts (including the note) dis- charged in bankruptcy. Discuss fully whether Harriet can hold Marion, Perry, or Steven liable on the note. (See Signature and Warranty Liability.)