[6-7] The Queens fund sells Class A shares with a front-end load of 4.2% and Class B shares with 12b- 1 of 0.5% annually as well as back-end load fees that start at 4% and fall by 1% for each full year the investor holds the portfolio(until the 4in year). Assume the portfolio rate of return net of operating expenses is 5% annually. 6. If you plan to sell the fund after 3 years, which share is better choice for you? 7. What if you plan to sell after 15 years