Richard has an adult son from a previous relationship. He wants to allocate a portion of his investment capital to him, He wants to do this using either a mutual fund or a segregated fund. Richard is concerned that his current spouse, with whom he has three children, will challenge any bequest made to his son in his will. Which unique feature of segregated funds will be most important to Richard in this regard? Select one: a. Payments to a named beneficiary bypass the estate. b. The death benefit is subject to probate fees. c. Richard's investment is protected through Assuris: d. Richard has a right of rescission