3. You need money to pay for some unexpected expenses. To get the 4,000 you need to decide to sell some of your shares in a mutual fund. It has the following backend load structure: First year Second year Third year Fourth year Fifth year 5% withdrawal fee 4% withdrawal fee 3% withdrawal fee 2% withdrawal fee 1% withdrawal fee If you owned the fund for 21 months and withdraw the 4,000, what is the amount of the contingent deferred sales load? 160