You are considering investing in a mutual fund. The fund is a loaded fund, and it offers you a choice. You can choose to pay a front-end load of 5% or a back-end load of 3%. If you choose the front-end load, the fund’s MER will be 2% per year. If you choose the backend load, the fund’s MER will be 2.25% per year. Assume that the fund expects to generate a return of 10% per year (before expenses), and that you intend to invest in this fund for five years.Which choice will you choose?