Cora Trout, age 79, has an estate that includes her personal residence valued at $120,000 and $18,000 in a bank account that is solely in her name. She would like to arrange her estate so that she maintains exclusive control of the assets during her lifetime, but at her death the assets will pass to her friend, Mabel, outside of probate. Based on Cora's goals and situation, which of the following are correct statements about will substitutes that she could use? I. She should put her bank account in tenancy in common with Mabel. II. She should title her personal residence in joint tenancy with her friend, Mabe III. She should execute a will that names her friend, Mabel, as the legatee of the bank account and the devisee of the personal residence. IV. She should place the bank funds in a P.O.D. account with Mabel as beneficiary V. She should change the title on her personal residence to indicate a life estate reserved for her lifetime and a remainder to her friend, Mabel I only III only I and III only II and IV only IV and V only