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One of nthe owners is very ill. How fast can a Trust be completed?Would a "Joint Tenancy With Survivorship" work in this situation instead?

widowwed retired mother Gaynell, and single, never married, retired daughter,Dianne, only child, own residence jointly. All banking accounts, Merrill Lynch accounts, except retirement accounts, are in both names. (THERE ARE NOT ANY OTHER RELATIVES) Wills, durable power of attorney for health...