left, in addition to a home in San Diego the title to which stood in both their names as joint tenants, personal property which was appraised in the estate at $641,318.64. This consisted entirely of municipal bonds, made payable to bearer, with the exception of about *480 $6,700 in cash, an automobile appraised at $250 and his interest in the household furniture appraised at $2,500.
 Mr. and Mrs. Opp lived in St. Louis, where his business was, until 1913, when they bought the home in San Diego and Mrs. Opp has since resided there. The court found that Mr. Opp continued to reside in St. Louis until 1919. In any event, during these six years, he spent considerable time in St. Louis looking after his business. He soldhis interests there in 1919, and thereafter resided in San Diego until his death. In 1920, he opened a bank account in San Diego and sometime subsequently he authorized the bank to honor checks on this account drawn by Mrs. Opp. In 1931, a new joint account with this bank was created, both Mr. and Mrs. Opp signing the usual joint tenancy card. In 1937, Mr. Opp withdrew the balance in this joint account, amounting to $24,132.76, and opened a new account in his own name which was continued until his death. Large amounts were deposited and withdrawn by Mr. Opp from these respective accounts and some checks were drawn by Mrs. Opp on the first two of them. Some of the securities here in question, of the