Christy has a bank account in her sole name at PQR Bank, which is a CDIC member. At the same institution, Christy also has four separate joint bank accounts, one with each of her four children. Assuming the accounts qualify as CDIC insurable products, which one of the following statements is true? Question 5 options: A $60,000 maximum applies to the joint owners of each separate joint account CDIC coverage on the joint accounts does not affect insurance coverage on Christy's personal account CDIC coverage on Christy's joint accounts is combined with her personal account for total coverage of $300,000 CDIC coverage is limited to a maximum of $100,000 for all accounts combined, where Christy is the owner or joint owner