bryris wrote: My point with this is not to debate whether D is correct. But, the question could be construed to mean that the note is non negotiable since nothing was said to include elements of negotiability. The fact that he endorsed it, doesn't make it negotiable.

Bryris, where did you get this problem from?  I also think it should be B because it was paid TO BLAKE and not TO THE ORDER OF BLAKE.  It is the front of the note that determines if it is a negotiable instrument, not the back of the note; you need those magic TO THE ORDER OF or TO BEARER words on the front of the note. ???