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I23. Indicate whether the defense is not a defense at all, is a personal defense or is a universal defense. I YI Bankruptcy I YI Breach of'u|"I.I"arrant_1,Ir I YI Insolvent}! Fraud in the I 3 execution Personal A. Fraud in the Universal I " I inducement B. Not a defense Forged Drawer or {1. V Maker's Signature Determined by a I vI court to be mentally inoon'ipetent I vI Extreme Duress 21. Someone Twho dom't sign an instrument still makes warranties. It\" True r False 15. Whichtwo parties have secondary signature liability