4. Ruben owes Ed P50,000.00. On maturity date, Ruben offered to pay Ed the amount of P45,000.00, which was the only money he then had. Ed, however refused to accept the payment. Thereafter, Ruben bumped into the 30- year old son of Ed, Joshua, to whom Ruben gave the P45,000.00, with a request that Joshua turn over the money to his father. Instead of delivering the money to his father, however, Joshua immediately went to the casino, and squandered the entire amount in the slot machines. (a) Was Ed justified in refusing to accept the payment offered by Ruben? (b) May Ed still recover the full amount of P45,000.00 from Ruben, after the said amount was squandered in its entirety by his son Joshua? > Arts. 1245 & 1240