3) The Investments Fund sells Class A shares with a front-end load of 6% and Class B shares with 12b1 fees of .5% annually as well as back-end load fees that start at 5% and fall by 1% for each full year the Investor holds the portfolio (untll the fifth year). Assume the portfollo rate of return net of operating expenses is 10% annually. a. If you plan to sell the fund after four years, are Class A or Class B shares the better cholce for you? b. What if you plan to sell after 15 years