Jin and John, twin brothers, have a joint brokerage account with $75,000 in securities. They have held this same account jointly for over 15 years. Unfortunately for Jin, he boarded a prop jet on a stormy Tuesday morning for a business trip, the plane crashed and Jin did not survive. Jinss wife of two months claims ownership to 50% of the brokerage account. John disputes the claim of Jinss wife, claiming that the account is jointly owned, and as such, Jin interest passes to John by operation of law and not to Jin's wife under Johns's last will and testament. Who is right and why?