8. Share Classes. A fund you are reviewing sells Class A shares with a front-end load of 5% and Class B shares with 12b1 fees of 0.5% annually. Assume the portfolio rate of return net of operating expenses is 10% annually. Both have an NAV of $50, and you plan to invest $10,000. If you plan to sell the fund after four years, are Class A or Class B shares the better choice for you? (LO 4-4)