Julia is single and the sole subscriber of her daughter Sally's RESP. Unfortunately, Julia passed away this year intestate. What is/are the potential implications to Julia's death to Sally's RESP. a) Given that Sally is the beneficiary of the RESP, the plan will continue as before. b) The RESP plan will collapse and form part of Sally's estate. c) A new subscriber can be instituted in the will and the RESP plan can continue. d) The RESP assets will form part of Julia's estate and may be subject to her creditors