Tabitha is crying at the day-care center as her mother is leaving. Stephen goes up to his teacher and says in a worried voice, "Tabitha is sad because her mommy went to work." Stephen is displaying:.

If an individual takes an instrument believing it was intended as an honest transaction, then he or she will qualify as a holder in due course based on which of the following requirements? without notice of defect for value no evidence of irregularity in good faith