A no$-$front$-$end$-$load mutual fund charges $12b-1$ fee of $\mathrm{.}25\%,$ and an expense ratio of $\mathrm{.}5\%.$ Assume the rate of return is $6\%$ per year. It has a back$-$end load of $5\%,$ decreasing at $1\%$ per year. How much will an investment of $$1m$ be able to cash out after $4$ years? Ans.: $ m$.$

A$.1\mathrm{.}24985219$

B$.1\mathrm{.}21485267$

C$.1\mathrm{.}165767714$

D$.1\mathrm{.}227123909$