"I promise to pay $5,000 to Lorenzo on or before August 1, 2001, in return for the same amount borrowed from him on May 1, 2001." Under these circumstances, the note is ________. Select one: A. negotiable because it is a simple contract B. not negotiable because the note is not payable to bearer or to order C. not negotiable because the note states the reason for the debt D. negotiable because it was handwritten