A fund of funds divides its money between five hedge funds that earn $5\%,1\%,10\%,15\%,$ and $20\%$ before fees in a particular year. The fund of funds charges $1$ plus $10\%$ and the hedge funds charge $2$ plus $20\%.$ The hedge funds$$ incentive fees are calculated on the return after management fees. The fund of funds incentive fee is calculated on the net $($after management feesand incentive fees$)$ average return of the hedge funds in which it invests and after its own management fee has been subtracted. What is the overall return on the investments? How is it divided between the fund of funds, the hedge funds, and investors in the fund of funds?