When you are considering purchasing a mutual fund, why might it be advantageous to wait to purchase the shares until the investment goes ex-dividend? a. Investments will be more calibrated for tax efficiency. b. Payment processor costs are lower after a mutual fund goes ex-dividend. c. Fees and expenses will be lower. d. Timing of distributions is such that the NAV will be lower and have a lowering effect on the income tax you will have to pay