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All of the following are correct about biofilms, except
Credit Device
A mechanism or tool, such as a credit card or loan, that extends credit to borrowers for purchases or cash advances.
Nonnegotiable
Nonnegotiable describes an item that cannot be transferred or endorsed to another party, often because it is final and not open for discussion or modification.
Reference
An act of mentioning or alluding to something or someone, often used for validation, citation, or acknowledgment in academic or professional contexts.
Instrument
is a legal document formally executed and capable of creating rights and obligations, such as contracts, wills, or checks.
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