If a mutual fund has an upfront load of 3.5% and annual fees (management and 12b-1) of 0.66%, what is the rate of return, after loads and fees, for an investor who invests $10,000 in this fund and the fund has a return on assets of 8.5% during year 1? if in year 2 the fund returns 12.5%, what is the 2 year compound annual rate of return?