What if joe takes the tissue paper to kinkos and copies it, Operation Management

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What if joe takes the tissue paper to kinkos and copies it

Joe agrees to loan Amy $500. Amy agrees to pay Joe back, but Joe wants it in writing. Amy takes out a piece of tissue paper and writes, "Amy agrees to pay Joe $500." Is this a negotiable instrument? Why or why not?

What if Joe takes the tissue paper to Kinko's and copies it? Does that satisfy the permanency requirement?

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