sally had a checking account at Wayne bank. Wayne Bank sent her special checks that she could use to draw on a line of credit (short term loan). When Sally used these checks, Wayne Bank did not take money out of her checking account, instead, it treated the checks as loans and charged her interest. The interest rate was not apparent from the face of the check. When Sally wrote checks, Wayne Bank sold them to Wolfe. Were the checks negotiable instruments? Explain your answer.