Francine has been reviewing her long?term care (LTC) needs. Francine will be going to a nursing home and was wondering if there are any strategies that she might now employ considering she does not have an LTC policy, does have liquid assets, and has done little to no planning. Which of the following would be excluded from any look?back penalty calculations? Group of answer choices Francine has a mortgage balance of $150,000 left on her primary residence. She could use $150,000 of her liquid account to pay off debt. This will be considered an exemption from the look?back period under the Medicaid rules. Purchase an annuity that will last past her Medicaid life expectancy with the remainder going to a joint annuitant. Immediately transfer all of her assets to a Medicaid irrevocable trust. Use the remaining $150,000 from her liquid account to purchase a single premium immediate annuity, where she will be expected to receive her entire benefit back. Her daughter will be named as her beneficiary