need the answer for 7 8 9 and 10

the process of 6. ule holder can recover nothing on an instrument that has been materially altered. An ordinary 7. Personal defenses are used to avoid payment to an ordinary holder of a negotiable instrument, but not to an HDC or a holder through an HDC. 8. Joe leaves his checkbook in a safe that is locked and he leaves the stamp that he uses to sign checks in a different locked safe. Someone breaks in, torches both safes and gets the checkbook and stamp. When the forged checks come in, Joe has a defense against payment that is: a. a personal defense b. not going to be upheld by a court c. a universal defense d. an indorsement 9. Seymour writes a check on his account at Platinum Bank to Teri to pay a debt. Teri negotiates the check by indorsement to Rosanna, who presents it for payment to Onyx Bank. Teri is a. not liable for payment under any circumstances b. primarily liable c. secondarily liable 10 d. simultaneously liable Refer to Fact Pattern directly above. If onyx Bank dishonors the check, Rosanna can obtain payment from Teri a. if Rosanna timely notifies Teri. b. only if Seymour refuses to pay the check. c. under any circumstances. d. under no circumstances