Situation Three: "I'm so confused," your father tells you. "I want to maximize the money available to me after retirement, but I just have no clue what to do with my small savings. I'm thinking about buying shares in a mutual fund. You've taken some economics and finance classeswhat do you suggest I do?" What's your advice for your father? O A. Buy shares in a no-load mutual fund and make sure that management fees are low. O B. Buy shares in a load mutual fund (a fund on which you'll pay commissions), since the extra fees will get you higher-quality investment advice than you would get in a no-load fund. OC. Instead of buying shares in a mutual fund, buy and sell stocks frequently, paying special attention to news items and tips. O D. Any of the above--according to the efficient market hypothesis, all three options will result in the same returns