5. You purchased shares of a mutual fund at a price of $17 per share at the beginning of the year and paid a front-end load of 5.0%. If the securities in which the fund invested increased in value by 12% during the year, and the fund's expense ratio was 1.0%, what is your return if you sold the fund at the end of the year? What does Two and Twenty (or "2 and 20") mean in the hedge fund industry