Smith puts $1000 into a mutual fund that charges a front-end load of 9% (an excessive fee that pays the broker who sells the fund). After the load is deducted, the remaining funds are invested in shares valued at $4.00 each (fractional shares are fine).

(a) After 6 months, the shares appreciate to $5.00. The fund managers advertise a 25% return over those 6 months. But the fund also charges an extravagant redemption fee of 1.5%. If Smith sells, what is her 6 month return?

please show clear work. thank you