Sam & John are joint tenants on a CD at First Bank. Julie is named as the POD beneficiary on the account. Sam dies first. Select the correct disposition of the account. A. John now owns the whole account, and Julie is still listed as a future POD beneficiary. B. Julie can take in Sam's death certificate and her driver's license and claim all of the account. C. John and Julie become tenants-in-common. D. Sam's heirs inherit his interest. E. Julie becomes a joint tenant with John, with the right to withdraw funds