Felicia, an elderly woman, does not speak or read english well. felicia is a recent immigrant to this country. a dishonest immigration officer tells felicia to sign several documents as being necessary to maintain her legal alien status. unknown to felicia, she signs a promissory note. the immigration officer thereafter sells the note to neighborhood bank, a holder in due course, who goes after felicia for payment of the note. felicia's defense to the neighborhood bank is: