40. Suppose we invest $10,000 in a mutual fund that charges an upfront sales load of 5%. In addition, it charges annual operating expenses of .85% applied to the funds average value throughout each year. The fund is expected to earn a 6% annual rate of return. a. 3 pts. What will the fund be worth at the end of the first year? b. 3pts. What will the fund be worth at the end of the second year? c. 3 pts. Given the value of the fund at the end of the second year, what was the average annual rate of return earned on this investment over the 2 years?