Ricardo Borrowed $1,000 from His Friend,John Wilfred

Ricardo borrowed $1,000 from his friend,John Wilfred.Ricardo signed a handwritten note stating,"I promise to pay $1,000 to John Wilfred on or before August 1,2001." Under these circumstances:

A) the note is negotiable because it was handwritten.
B) the note is not negotiable because it does not acknowledge the reason for the debt.
C) the note is not negotiable because it is not payable to order or to bearer.
D) the note is negotiable because it is a simple contract.