The Bruin Stock Fund sells Class A shares that have a front-end load of 5.55 percent, a 12b-1 fee of .27 percent, and other fees of 0.85 percent. There are also Class B shares with a 5 percent CDSC that declines 1 percent per year, a 12b-1 fee of 1.2 percent, and other fees of .85 percent. Assume the portfolio return is 8 percent per year.

1.	What is the value of $1 invested in each share class if your investment horizon is 3 years?

2.	What if your investment horizon is 20 years?