Who inherits the spouses if they die simultaneously during Hajj, and what is the ruling on the joint bank account?

The husband and wife inherit from the ten categories of men and the seven categories of women known in the science of inheritance, and inheritance is not limited to them and to the children. One should not preoccupy themselves with a matter that has not yet occurred; for an abundance of questions concerning non-existent issues hardens the heart and engenders animosity. It is commendable for a person of wealth to bequeath a portion of their wealth, not exceeding one-third, to be spent on charitable causes after their death.