Which of the following has been held to destroy the negotiability of an instrument and to render its transfer a contractual assignment?

A) "I wish you would pay."
B) "Pay to the order of John Jones."
C) "Pay bearer."
D) "Please pay Sue Smith."

The phrase "I wish you would pay" introduces a level of uncertainty and discretion that is inconsistent with the definiteness required for an instrument to be considered negotiable. Negotiable instruments must contain an unconditional promise or order to pay, and the inclusion of "I wish" suggests that payment is not obligatory, thereby destroying the instrument's negotiability and rendering its transfer a contractual assignment rather than a negotiation.