ANA, BEN, and CRIS are barkadas. They borrowed Php 15,000 from XYNA. Thisdebt is evidenced by a promissory note wherein the three bound themselves to pay the debt jointly and severally. However, according to the note, ANA can be compelled to pay only on June 15, 2004, while CRIS can be compelled to pay only on June 15, 2006. One June 15, 2002, XYNA made a demand upon ANA to pay the entire indebtedness but the latter paid only Php 5,000.00. Subsequently, because of ANA's refusal to pay the balance, XYNA brought an action against her for collection of the amount. Will such an action prosper? Reasons.The parties in a contract of loan of money agreed that the yearly interest rate is 12% and it can be increased If there is a law that would authorize the increase of interest rates