A year ago, the Really Big Growth Fund was being quoted at an NAV of $15.30 and an offer price of $16.65. Today, it's being quoted at $16.23 (NAV) and $18.23 (offer). What is the holding period return on the load fund, given that it was purchased a year ago and that its dividends and capital gains distributions over the year have totaled $1.05 per share? Select one: a. 3.88% b. 3.78% c. 0.63% d. 10.49% e. 10.22%