On March $25,2001,$ Margaret D$.$ Smith and Mrs$.$ Smith's daughter and son$-$in$-$law, Judy and Troy Reed $($Defendants$),$ bought a home in Mo purchase of the home and provided a loan of $$117,900$ to Mrs$.$ Smith. The general warranty deed named the grantees as "Margaret D$.$ Smith Margaret Smith has passed away and has left all of her property to her son, Jack. Which of the following is an accurate statement as to the o

a$.$ Troy and Judy Reed and Jack own the home as tenants in common.

b$.$ Troy and Judy Reed own the home as joint tenants with right of survivorship.

c$.$ Troy and Judy Reed own the home as tenants in common.

d$.$ Jack owns the home.