In 2012 you invested $8,000 in a fund. The fund had the following return and expenses:

Year	Before-Fee Return	Annual Expense Ratio	Annual 12b-1 Fee
2012	12%	3.8%	0.25%
2013	4%	3.8%	0.25%

Calculate the amount you can cash out at the end of 2013 and the amount paid in fees altogether. The fund has a 4% deferred sales charge.

Group of answer choices

$8,631.68; $1,031.99

$8,286.72; $686.72

$8,631.68; $686.72

$8,286.42; $1,031.99

none of the above