Hubert and Wilma married in 1960. Hubert died in 1998 and left everything to his wife. Wilma's current estate is valued at $1,500,000; a home, a cottage, and savings, each with a value of $500,000. Wilma is now eighty-two and is in the process of updating her will. She is not sure how to distribute her estate amongst her three sons David, Siegfried, and Roy. She is meeting with you, her financial planner, for some advice. Assuming the home and cottage were purchased as JTWROS, what is their current ownership structure?

a. Joint tenants between Wilma and Hubert's estate

b. Tenants-in-common between Wilma and Hubert's estate

c. None of the above

d. Wilma as sole owner