A mutual fund offers class A shares which have a one-time 5.0% upfront load and an annual expense ratio of 0.76%. This mutual fund also offers class B shares which have an annual 12b-1 fee of 0.55% and an annual expense ratio of 0.87%.Assume that both classes of shares are similar in risk, return, and investment objectives. 1. Which class of shares makes more sense for an investor considering a 10-year investing horizon? Show your calculations. Hint find the average annual fee for both stocks then compare.

(I was able to find the answer to the Class A shares part, but I am stuck on the Class B share part)