Jones and Ray formed a partnership on January 1, known as JR Construction Co., to engage in the construction business, each partner owning a one-half interest. On February 10, while conducting partnership business, Jones negligently injured Ware, who brought an action against Jones, Ray, and JR Construction Co. and obtained judgment for $25,000 against them on March 1. On April 15, Muir joined the partnership by contributing $10,000 cash, and by agreement each partner was entitled to a one-third interest. In July, the partners agreed to purchase new construction equipment for the partnership, and Muir was authorized to obtain a loan from XYZ Bank in the partnership name for $20,000 to finance the purchase. On July 10, Muir signed a $20,000 note on behalf of the partnership, and the equipment was purchased. In November, the partnership was in financial difficulty, its total assets amounting to $5,000. The note was in default, with a balance of $15,000 owing to XYZ Bank. Muir has substantial resources, while Jones and Ray each individually have assets of $2,000.

What is the extent of Muir's personal liability and the personal liability of Jones and Ray as to 

(a) The judgment obtained by Ware 

(b) The debt owing to XYZ Bank?