“With rare exception, the rules are nonnegotiable, restrictive, and put the buyer at a distinct disadvantage.”

“But before you join a religious order and attempt to purify yourself, remember that the Vatican has determined that the celibacy rule is nonnegotiable.”

“It seems clear, therefore, that the Treasury is in a much better position to refund the nonnegotiable securities than the individual would be to refund negotiable securities through the market.”

“For a person who can only walk with difficulty or who uses a wheelchair, a relatively small gap may simply be nonnegotiable.”