Under ownership passes directly to the surviving owner upon the first owner's death bypassing the will, while in a the first tenant's right to the asset will go to her heirs s determined by her will. a. joint tenancy with rights of survivorship; tenancy in common b. tenancy in common; joint tenancy with rights of survivorship c. tenancy in common; tenancy by the entirety d. joint tenancy with rights of survivorship; tenancy by the entirety