A fund sells Class A shares with a front-load of 5% and Class B shares with 12b-1 fees of 0.5% as well as back-end load fees that start at 6% and fall by 1% for each holding year. Assume that the fund return net of operating costs is 10% annually. What will be the value of a $10,000 investment in Class A and B if the shares are sold after (a) 1 year, (b) 4 years, or (c) 10 years? Assume that the fund earns 12% annual returns. [ Round to the nearest dollar: $10,343.62>>$10,344]