The investment fund sells class A shares with a front-end load of 6% and class B shares with 12b-1 fees of 0.5% annually as well as back end load fees that start at 5% and fall by 1% for each full year the investor holds the portfolio. The portfolio ROR net operating expenses 12% annually. If your plan to sell the fund after three years, are class A or Class B shares the better choice for you?