Grace is considering investing in one of several mutual funds, all of which have various permutations and combinations of front-end load, back-end loads, and/or expense ratios. The longer she plans on remaining in the chosen fund, the more likely she will prefer a fund with a ______rather than a________, everything else equal. O back-end load; front-end load expense ratio; back-end load front-end load; expense ratio O expense ratio: front-end load O front-end load; back-end load