You argue, but there's no right answer. DPC won't tell us whether Josy truly loves Maya or if they're together because Maya's pussy smells like strawberries. It's all up to the reader to decide.
What we have at the end of Episode 11:
1. The loan issue is resolved, time to discuss what to do next.
2. Neil doesn't understand his son's three-way relationship.
3. Josy is bored.
4. Josy's mother is expecting Tremolo to visit.
Are you ignoring Maya's preview for Episode 12? There's a round table for a maximum of four people, and Maya helps light the candles.
Episode 12. Tremolo invites his bitches, Josie and Maya, on a date to a restaurant, under the pretext of celebrating the New Year.
Before the date, Maya asks what dress she should wear.
The three of them discuss their relationships:
[3] Maya promises Josy to pay more attention to her. (
[1] Maya won't give up easily after spending the entire game trying to figure out the loan issue.)
[2] They discuss how to properly tell Neil about their threesome relationship.
Next, there are three options:
* If MC hasn't told anyone about ILY, MC tells both of them. They rejoice, and the three of them go have sex in a public restroom.

* If MC has already told only one ILY, MC tells the second girl, and they go have sex in a public restroom. The second girl is sad.
[4] 
If it's Josy, she invites us to meet her mother.
* MC has accumulated a lot of cheating points. The evening ends with nothing but talk. Tremolo is sad.

In all three options, the threesome relationship continues, but with different moods. You already chose Maya + Josie's path in episode 8, this cannot be changed.
- Why is Sage in the photo?
- When I cropped this photo, I couldn't leave those boobs out of the frame; they're amazing.