QUESTION 30 True or False: An instrument that writing nothing else. made out payable "to the order of Tom" becomes "bearer paper" if he endorses it by just signing his name on the back and True False QUESTION 31 Cindy is the HDC of a negotiable note issued by Barbara for $1,000. When Cindy presents Barbara's note to her for payment on the due date, Barbara refuses to pay claiming someone changed the payment amount from $100 to $1,000. True or False: Barbara is raising a "real" defense, so even though Cindy is an HDC she will only get paid $100, not $1,000. True False QUESTION 32 True or False: If a holder presents a note for payment on June 15, 2020 and the payment due date is June 23, 2020, and the request for payment is turned down, the note has been "dishonored." True False