The fund charges a front-end load of 5%, no back-end load, and the expense ratio is 2% which is charged based on end-of-year investment. Suppose the fund generates 12% return before fees on their investments for the year. An investor invests $10,000 in the fund at the beginning of the year. (Total 10 points) a) What is the end-of-year value after the front-end load, expenses and return? (5 points) b) What is the investor's return? (5 points) (Hint: return=(Value at the end of the year-original investment)/original investment)