II. ESSAY. Answer the question in no more than 10 sentences. 21. Jhong, Vhong, and Anne borrowed P900,000.00 from Vice. They committed to pay on June 22, 2019, but defaulted. Vice absolved Vhong and Anne, and then demanded payment from Jhong. Jhong refused to pay because of the Vice absolved Vhong and Anne without his consent. How much does Jhong need to pay to vice, if any? 22. Dulce promises to deliver to Rey a specific horse. Their contract contains a penal clause that in case of non- fulfillment, Dulce shall pay a penalty of P10,000.00. Dulce wants to pay the penalty instead of delivering the horse. Rey refused. Is Rey correct? 23. Jonnie borrowed P10,000.00 from Lyka. They agreed that Jonnie can either pay the P10,000.00 or deliver her piano on August 22, 2019. On August 20, 2019, Jonnie informed Lyka that she would deliver the piano. Can Jonnie change the period considering that she was given the right of choice? -nothing follows-