The Bruin Stock Fund sells Class A shares that have a front-end load of 7.1 percent, a 12b-1 fee of 0.25 percent, and other fees of 0.66 percent. There are also Class B shares with a 5 percent CDSC that declines 1 percent per year, a 12b-1 fee of 1.12 percent, and other fees of 0.5 percent. Assume the portfolio return is 12 percent per year. What is the difference in values of $1 invested in each share class if your investment horizon is 3 years? ( = Value of Class A - Value of Class B)