Scott Duncan
So, to review (with the magic of Cut & Paste):
�negotiable instrument� INCLUDES any cheque, draft, traveller�s cheque, bill of exchange, postal note, money order, postal remittance and any other similar instrument;
�money� INCLUDES negotiable instruments;
BUT...
"...a promissory note(legal tender)...is not itself money...there is no liquidation of the debt, until it is discharged..."
And therefore PROMISSORY NOTES ARE NOT MONEY.
PROMISSORY NOTES ARE OBLIGATION (Tender for Law)