Joint tenancy with rights of survivorship (JTWROS) reduces probate fees because O A. creditors and/or the spouse of either joint owner may also have a claim to the assets in a joint tenancy arrangement. OB. probate fees are paid at the time of purchase of the asset. O C. the death of one joint owner results in an asset being transferred directly to the surviving joint owner. OD. decisions regarding the property have to be made jointly between the owners