The image above is from the back of a negotiable instrument under the UCC Article on Negotiable Instruments payable to the order of Joker. Which of the following is true? a. The first endorsement creates a holder. The second endorsement creates a holder in due course. The third endorsement converts the instrument back to holder paper. b. The first endorsement is a blank endorsement converting the instrument to bearer paper; the second endorsement is a special endorsement converting the instrument to order paper and the document cannot be negotiated further. c. The first endorsement is a special endorsement converting the instrument to order paper; the second endorsement is a qualified endorsement further negotiating the instrument; and the third endorsement is a blank endorsement converting the instrument to bearer paper. d. The first endorsement is a blank endorsement converting the instrument to bearer paper; the second endorsement is a restrictive endorsement converting the instrument to order paper; and the third endorsement is a blank endorsement converting the