Samir is trying to reduce probate fees. Identify a potential problem when Samir chose to register his bank accounts as joint tenancy with right of survivorship, with his oldest son, Jamal, who is $21.$ Samir died $6$ months after the switch was made.

a$.$

The entire amount in the account at the time of Samir$$s death would still be considered an asset of the estate.

b$.$

Jamal could withdraw the money as he is one of the owners of the account.

c$.$

Half the amount in the account at the time of Samir$$s death would still be considered an asset of the estate.

d$.$

The bank would not consider this a legitimate joint tenancy as it was only put in place a few months ago.