Phoebe and Ruby have been in a relationship for many years which is not supported by their families. They would like to ensure that their individually owned assets will transfer directly to a surviving partner in a manner that cannot be contested by family members in court. Which techniques and/or documents are appropriate to address their concerns? Select one: a. Non-durable powers of attorney b. Reciprocal wills c. Individual assets retitled as tenancy in common d. POD and TOD accounts