A、Both endorse the instrument. B、Neither of them endorses the instrument. C、A authorizes B to endorse the instrument. D、B author

M: Some credit cards are called gold cards because they offer higher credit limits and lower interest rates.
W: But the card holders should pay a significant annual fee, perhaps as high as￡ 50.
Q: What is the disadvantage for gold cards holders?

M: If an instrument is payable to the order of both A and B who are not partners, what should they do?
W: Both of them must endorse, unless one has authority to endorse for the other.
Q: Which of the following is not right according to the woman?