14. Which of the following statements regarding joint tenancy with rights of survivorship is not correct?

a. At the death of a joint tenant, his interest in the property will transfer to the beneficiary listed in his will.

b. Property owned JTWROS transfers by operation of law.

c. Each tenant owns the same fractional share in the property.

d. During his life, each joint tenant has the right to sever his interest in the property without consent.